Car Insurance Deals

One of the times that being a female will make things easier for you is when it comes to car insurance. The men are the ones who have difficulties in this area and they will continue to have them, especially before they reach the age of 25. But, young women can take advantage of the fact that they aren’t young and male and obtain cheap car insurance for women.

The Biggest Risks

Car insurance companies know all kinds of things about the auto industry, including who experiences the most fatalities due to car collisions. Men have more than double the chance of being killed in a car accident than women. The latest statistic states that 73 percent of the people killed in auto accidents are men. In 2006, 29,722 men were killed in car crashes, while only 12,747 women met the same fate the same way.

Some reasons for the large difference between these numbers are:

• The many more miles men drive than women,
• The hormone testosterone and
• The higher usage of alcohol before driving done by men.

The Low Mileage Discount

Women, typically, drive fewer miles than men, and this is one reason why it is easier to find cheap car insurance for women. As you drive fewer miles, you have less of a chance of either causing an accident or being hit by another driver. If this is the case, you can receive a lower rate from your auto insurance company.

Driving Under the Influence

Driving under the influence of alcohol is a huge risk-factor for insurance companies and, statistically, men are more likely to do this than women. As a matter of fact, people who have received a DUI are considered to be the highest risk drivers on the roads. They often lose their coverage and are charged astronomical rates because of the high probability that they will suffer serious bodily injuries and extensive property damage. Because women are less likely to be involved in these types of accidents, car insurance companies will see you as a much lower risk.

Types of Vehicles

Car insurance is also calculated based on the make and model of your vehicle, and men and women are looking for different cars. Men are known to like to drive high-performance sports cars that can be on the expensive side. Women, on the other hand, are looking for vehicles that they don’t have to spend too much time repairing. Women like their cars to be reliable and safe, and these are the types of cars that car insurance companies will charge the lowest rates to insure.

A less expensive vehicle will be less expensive to repair. If it needs to be replaced, the sedan will cost the car insurance company less than the sports car. The injuries are less severe in the typical cars that women drive, so the insurance companies will be paying less for your bodily injury coverage. When car insurance companies insure women, they know that they will, most likely, be insuring a less expensive vehicle that will be involved in fewer car crashes that result in less serious injuries.

Women Only Car Insurance

Some car insurance companies only sell car insurance to women for the very reasons listed above. With these policies, you can receive everything you would get from any of the other car insurance companies, but you will have it for a lower price. The other insurers are aware that women have fewer accidents than men, and they also want to reward their female customers; some companies do this with a 10 percent discount just for being a woman.

You can purchase car insurance from insurers that insure only women or you can qualify for the woman’s discount. Since women are, typically, driving safer, and less expensive cars, you will be able to find cheap car insurance for woman. Every car insurance company will ask you for your gender before they offer a quote, so you will be sure to be offered the great deals you are entitled to just for being female.