How to Get Cheap Car Insurance Woman

“Woman driver!”  Typically that has not been a statement of compliment.  The truth is, though, insurance rates, across the board, are cheaper for women.  That’s a pretty substantial argument that maybe they are better drivers than men.  The point here, though, is that there is more than just gender to getting cheap car insurance. 

Why Car Insurance is Cheaper for Women – The simple reason is that the auto insurance industry see women as less of a risk to insure than men.  Women tend to be safer drivers, take fewer risks, and have fewer accidents.  When women do have accidents they tend to be minor fender benders or scrapes rather than accidents resulting in major damage or totaling the vehicle.

Searching For Cheaper Rates – One of the best things a person can do (man or woman) is to shop around for the best insurance rates.  The advent of the internet has made this a relatively easy process.   From the comfort and privacy of one’s own home you can shop many different providers.  There are even insurance rate comparison websites available to further simplify the process.  In addition to that, some companies offer up to a 10% for shopping online.

Take Advantage of the Woman’s Cheaper Rate – If it is cheaper to insure a woman driver, why not have the policy in her name and then make the man an insured driver on her policy?  That would prove cheaper than the other way around.  If the policy is already in the man’s name, adding a woman driver will likely bring those premium rates down. 

Some Tips for Reduced Premiums – Here are some ideas that could save anyone additional money on their insurance rates.
1. Work on your driving record. Pay attention to your driving habits.  Stay within the legal speed limit, don’t take risks, and give yourself plenty of time to get where you’re going.  A good driving record can significantly impact your insurance rates.
2. You can raise your deductible (the amount you pay first, before insurance kicks in on a claim).  It would be wise to have your deductible amount in savings just in case. 
3. Being able to go for an extended period without making a claim on your policy may qualify you for a no-claim discount.  Check with your insurance provider. 
4. Discounts can also be provided if the car features an immobilizer or satellite tracking device. 

Yes, car insurance is cheaper for women than men, generally speaking.  There are, though, ways that even greater discounts can be achieved and for men to take advantage of women’s cheaper rates.