Womens Car Insurance: Women As Better Drivers!

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.

Both Mr and Mrs Bickley are 29 years of age and enjoy rural life. As a result, their home is in a low crime area. They also have a garage and an alarm system fitted just in case. Mr Bickley does have one more years no claims bonus than his wife, but their circumstances are identical otherwise.

The Bickleys went to E-Sure and CIS directly to get individual car insurance quotes as well as a couples one to compare the prices. Mr Bickley, having a years more no claims bonus, should have had lower quotes, but Mrs Bickleys quote was 107 less instead, all because she is a woman!

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!

Men tend to drive far more quickly on the roads than women and do get pulled up by the police for driving offences more. Men also apparently have a lower concentration level and so are more likely to get distracted by something as they are driving.

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 can also be found for a cheaper overall price because there are specialist providers for the female drivers out there. These insurers are exclusive. As such, women get more affordable cover over their male counterparts.

Article by: DavidHill | Total views: 22 | Word Count: 488

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