Women Get Cheaper Car Insurance!

Women have been independent career women for quite a few years now.  They are no longer reliant on men for much of anything if they don’t want to be and this applies to driving as well.  It is now the case that most countries of the world, and certainly the US, that car insurance is required if you want to legally drive.  Like everything else, this law applies to women as well and like everyone else, women like to get a good deal.

Men are more aggressive and careless on the road than women usually are and as a result, women are deemed to be generally safer drivers.  The insurance companies like to reward those who cost them less money and therefore women get the benefit of being offered less expensive car insurance.  Just because women’s insurance is cheaper, on average, than men’s insurance it doesn’t mean they shouldn’t do something to get better deals.

The first option is the easiest option – comparison shop!  You can either go directly into the insurers’ offices or you can hop online and do a search.  There are some companies that even specialize in insuring women for driving.

The next step is to consider having all of your policies with the same insurer.  Many people, women included, have life insurance policies and even homeowner’s policies today.  If you can get two or more of these with the same insurer you could save a bundle in a special “consolidation” discount.  The companies will give the insured a break because she is spending more money with them.

It would make sense, too, for a woman to drive a car that isn’t so flashy.  There are a couple of reasons for this – less powerful and not as desirous make them safer to drive and less prone to theft.  The more expensive a car is to buy will also make them more expensive to repair in the event of an accident or damage.  Basically, if a woman drives a more responsible, less powerful car she will get even more of a break on her insurance premiums.

Finally, a woman can get even more of a break on her insurance premiums if she ensures her car is better protected than the next person’s.  You may have taken the step to protect yourself from theft by driving a less expensive, less flashy car but you are not 100% guaranteed against theft.  If you have a security device installed in your car you can get a discount since thieves are more likely to leave your vehicle alone if it starts blaring in the street.  In addition to an alarm, you can think about using a wheel boot or steering wheel locking device.