Author Menu
Client Account
Category Tree
Site Search
Friends
Article
What Difference Does Women's Car Insurance Make?
submitted: Jul 17th 2008 |
by: DavidHill
Total views: 5 |
Word Count: 489 |
| 
| 
Women drivers are well known for their well, it really depends on the perspective you are looking at them from. If you are a male driver that has an unbelievable need to put your foot down then they are nothing but a nuisance. However, if you happen to be a car insurer then you will probably be more than happy to offer them car insurance at a cheaper rate than you would a man of the same age, driving experience and make and model of car. Womens car insurance is a big sector of the insurance industry at the minute and there are plenty of reasons why.
Before getting into the finer details of those reasons, it is necessary for you to understand how much women can save over their male counterparts when it comes to car insurance. Mr and Mrs Bickley from the West Midlands proved that when they got car insurance quotes for their 2008 Ford Focus.
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.
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.
The choice of car is also a big part of why male car insurance premiums are higher. Men have a habit of buying faster and more powerful vehicles because women think practically rather than living out their fantasies. If anything happens to the powerful cars, whether stolen or in an accident, it costs more to fix or replace them, which contributes to the premiums as well.
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.
About the Author
Did you ever wonder why womens car insurance quotes are always cheaper? Powerseeker can help you reduce car insurance quotes for women every time!
Article Source: Unique Financial Articles
Comments
No comments posted.
You do not have permission to comment. If you log in, you may be able to comment.
