What Difference Does Women's Car Insurance Make?

by: DavidHill
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Word Count: 492

Women drivers have a reputation on the road, although it really depends who you are talking to as to what that reputation is. Other drivers, male drivers, on the road are constantly bemoaning the bad women drivers out there that do not drive off at an acceptable speed (within the limit). However, car insurance providers love them because they do tend to have several advantages over their male counterparts. This is one reason as to why womens car insurance is generally cheaper than the same level of insurance for male drivers. There are several reasons why this is so in the eyes of insurers.

However, it is necessary to look into the financial and practical reasons as to why car insurance quotes are cheaper for women than men. The former can best be explained by the case of Mr and Mrs Bickley from a small village in the West Midlands. Their brand new Ford Focus needed insuring and so they both set about getting quotes.

Mr and Mrs Bickley live in a rural village with little crime so they have peace of mind that their car is safe. However, they take safety precautions by putting the car in the garage every night and setting the alarm system. They are both 29 and have several years no claims bonus, with Mrs Bickley having 3 and Mr Bickley having 4.

To find the best deals, they both got separate quotes from two insurers - CIS and E-Sure. When both obtained the car insurance quotes, they found that Mrs Bickley would have to pay 107 less than her husband despite the fact that she had a years less no claims bonus!

Women receive lower car insurance quotes than men because they tend to have fewer serious accidents than men. In fact, they statistically have fewer accidents in general, and fewer claims as a result. Fewer claims ultimately mean that the individual insurer is far less likely to have to pay out high amounts and thus have a greater profit. This profit is passed on to the woman in the form of a discount!

Taking this into account and the coupling it with speed will also make a difference. Men have a need for speed that women do not seem to have. They tend to have more convictions for speeding than women because they drive faster and fail to concentrate as much!

A further reason relates to the types of cars bought by men and women alike. Women buy practical and reliable cars but men buy those that have some sort of value amongst car magazines! In other words, they buy more powerful cars. Not only are those cars more expensive to replace if stolen but also to fix in the advent of an accident.

Womens car insurance also comes from specialists. Every woman can choose from specialist or general insurance but men do not have the luxury. As such, men should expect to pay more now and into the future!

About the Author

Did you ever wonder why womens car insurance quotes are always cheaper? Powerseeker can help you lower car insurance quotes for lady drivers by explaining some amazing facts to women!  

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