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Cheap Female Car Insurance

Cheap female car insurance is a lot easier to find than you might think. In fact, according to recent studies, female drivers can expect, on average, a premium that is 9 percent lower than male drivers. If you are a female driver looking for cheap female car insurance, it pays to shop around and compare various policy quotes. A little research can go a long way when it comes to finding cheap female auto insurance.

While it is not accurate to suggest that women are better drivers than men, it is safe to say that women will have a much easier time finding cheap female car insurance. The current national average rate for women drivers on a six month policy is $698 while for men, it is $765 . In some states, such as Wyoming, the difference between male car insurance and cheap female automobile insurance was higher than 20 percent! Being a female driver definitely has its perks and cheap female car insurance is most certainly one of them.

Cheap Female Driver Deals

So why are women more likely to find cheap female vehicle insurance than males? There are several reasons. First of all, women are almost 50 percent less likely than men to have a DUI/DWI conviction on their driving record. Research indicates that most DUI offenders are male. Women are also approximately 10 percent less likely to have a moving violation on their record. Your driving history is a big indication when it comes to cheap car insurances. In general, the better your record is, the better your premium will be. To find a cheap quote, you need to remain as safe as possible on the roads. This may mean avoiding driving through rush hour traffic, poor road conditions and bad weather. It also means avoiding accident triggers such as drinking or texting while driving. If you do get a traffic violation or speeding ticket, maintain a good driving record by paying off the ticket as soon as possible. Outstanding debt on your driving history will negatively impact your insurance rate.

Another reason why female drivers have cheap rates is because of the type of vehicle they drive. Women own vehicles that are, on average, 8 percent lower than the list price of vehicles owned by men. The average price car list price for females is $22,815 compared to males with $24,861 . The type of car you drive will directly impact your cheap car insurance rates. The safer your car, the better rates you will be offered. Women drivers tend to drive much safer vehicles than males, simply because they tend to be the ones chauffeuring around the kids. While a wife may drive the new SUV to take the kiddies to soccer practice, to school and to ballet lessons, a male may take the two door coupe into the city to work. An SUV is much less likely to crumble under the pressure of a car accident and thus the rates are also much lower.

Understanding Female Car Insurance

All drivers, regardless of gender, can benefit from understanding how vehicle coverage works. Although finding a cheap price is important, you do not want to simply go with the first offer you are given. If you do, then there is a good chance that you will be insuring under a basic coverage policy which may not be adequate for your specific needs.

Every single state is different when it comes to insurance rules and regulations. Most states require their drivers to purchase bodily injury liability, property damage protection and uninsured/underinsured motorist coverage; however, you may also want to consider extras such as roadside assistance, loss of use coverage, personal injury protection and collision coverage.

Consider your individual driving needs when determining the right level of coverage. Do you chauffeur your children around or are usually driving alone? Do you only use your vehicle to get to the grocery store and back or are you weaving in and out of city traffic to work every day? Do you live in a house with a lock up garage or are you parking your car on the street outside your city apartment? All of these factors should be weighed when it comes to finding cheap female car insurance.

Compare Car Insurance Discounts

Another reason why females tend to find cheaper rates is simply because women are more likely than men to do their homework and shop online. You can save up to 35 percent on cheap female car insurance with a simple online search. Rather than re-insuring with the same provider year after year, take five minutes out of your day, type in your details and browse through a number of policies from trusted providers in your area.