How to Get Cheap Auto Insurance for Women?

There are many ways to get cheap auto insurance for women.  Many of the factors include history, age, type of vehicle being insured, and more.  All of these things should be considered when you are looking at insuring a car for a woman.

It has been proven that women drivers are safer than men.  Women get less citations and in fewer accidents.  Women also choose economic vehicles with good gas mileage.  Usually the cars that women drive also don’t cost much to repair when they break down also.  However, just because you are a woman doesn’t mean you will get cheaper car insurance.

Your driving history and your age make a big difference to an insurance company.  If you are a woman and you have no prior tickets then you will get a good rate.  If you have many different tickets for many different violations, then you will have a higher rate.  The longer you drive without any traffic violations, the better your rate will be.  As time goes by and you don’t get a violation, your rates will continue to drop.

Something else you should consider when you are looking for a good car insurance rate is the type of vehicle you are insuring.  Some vehicles are more expensive to insure than others.  It doesn’t matter how good your driving record is.  You can find lists of the most expensive vehicles to insure versus the cheaper vehicles to insure online or you can ask an insurance company for the list also.  If you haven’t purchased a vehicle yet, you might consider this list prior to making a purchase.

Age is a big factor when you are looking at car insurance for women.  Rates are usually very high when a person is under the age of 23.  This is because the person hasn’t had much time to create a good driving history.  In addition, younger drivers tend to have more accidents and get more tickets.  The best way to get the best rate with a younger driver is to insure the cheapest vehicle possible with the least amount of insurance needed.  If you are trying to get full coverage on a vehicle with a loan from a bank then you can be sure if the driver is under the age of 23 the insurance will be over $300 a month.  A cheap car that is paid off with only liability insurance won’t cost much money at all.

When you are looking at car insurance for women you do have several factors on your side.  Insurance companies do look at the statistics that women get fewer tickets and they are smarter drivers.  However, just because you are a woman will not get you the rate you are looking for.  You will need to have a good driving record, be older than 23, and be driving a smart vehicle.  If you meet all of these factors, chances are good you will get an excellent rate on your car insurance policy.  If not, be prepared to pay a good chunk of money each month to insure your vehicle.