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by: Nelson
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If you have ever asked yourself why women usually get lower auto insurance rates than men, the main reason is women drivers, as a whole, aren't involved in as many claims as their male counterparts. Relying on statistics alone, women seem to be safer drivers; perhaps it is because they drive slower and are more cautious than men; often driving more modest vehicles based on excellent safety features.

It is for this reason that car insurance providers are happy to give policies to women than men as they know that there is less of a chance they will make an insurance claim.

The problem is that although both sexes actually face similar driving conditions, when a man has an accident, the damage to the vehicle is normally far greater than if a woman had been driving. What this means is that women will only pay around seventy percent of the amount for their premium that a man will pay based on similar circumstances.

Women usually drive slower than men so accidents caused by lady drivers are not as serious so in most instances the claims are lower ensuring insurers pay out less; lowering premiums.

Since men generally drive at higher speeds, when they have an accident, the loss is high and when the accident involves two vehicles with high amounts of damage, it becomes an insurance company's nightmare. A lady is regarded to be a better risk as soon as they start driving, even at an early age and there are many premium discounts available for women drivers.

Women are also able to apply for auto insurance from companies that will on insure lady drivers, often even refusing male partners from their policies. They are just working with the statistics and believe that having a man on the policy will just increase the chances of a large claim meaning that premiums will have to rise.

The downfall to this specialization is that the profits for these companies is lower because the amount of each premium is less but can often be counterbalanced by the increase in members using the service.

Women drivers should seriously consider getting a car insurance quote from a company that will only insures women drivers. Further discounts can be made when a car is parked in a garage and if the person takes advanced driving lessons in addition to a clean license.

One important piece of advice is that women only insurance companies are not necessarily less expensive than a larger, general insurance company that provides auto insurance. Considering the ongoing costs involved with any type of insurance, the best course of action is to compare companies and obtain quotes from a number as you may discover a general insurer who is cheaper.

About the Author

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