Female Driver Car Insurance

The debate continues…who are the better drivers, men or women? The statistics show that men average more miles driven per year than women do, and have a proportionally higher accident involvement at all ages. This naturally has implications in terms of the cost of car insurance, given that this is determined by the assessment of risks, one of which is based on gender. Moreover, statistics have shown that insurance claims made by women usually result in lower pay outs as they tend to happen at lowers, causing only minimal damage.

In light of this, many companies have emerged, offering car insurance for women only, as they believe that accidents caused by men are pushing up the cost of premiums for women. Whether this affirmation is accurate or not, the theory is that these companies will make smaller payouts and therefore transfer their savings onto the customer, thus saving her money.

On top of lower cost policies, female car insurance often includes other benefits which are considered as tailored to the needs of women in particular. This includes handbag cover, counselling helplines and free or discounted breakdown cover. Female only car insurance providers usually offer a courtesy car as well as recommend a female-friendly garage.

As with all insurance, it is worth shopping around for the best quote. Do also bear in mind that you choose a policy which offers the most suitable cover for you. It is worth noting that a cheaper, more suitable policy for women drivers may actually be found with a unisex insurance provider and not with a women only car insurance provider.