Cheap Car Insurance Quotes For Women
Car insurance is not gender neutral and insurance companies definitely charge different rates for men and women. The truth is that statistics support the fact that men take greater risks and are more inclined to speed, drive recklessly or irresponsibly, cause accidents, and young male drivers tend to have higher risk.
Why Gender Matters For Auto Insurance
When comparing the driving statistics of men and women, it is clear that women motorists are involved in fewer accidents and claims. Females tend to be more conservative drivers who don’t favor sports or muscle cars. This may surprise many because we stereotype women as bad drivers who are accident-prone, bad parallel parkers, easily distracted, and lack hand-eye coordination. Yet this portrayal of women drivers flies in the face of the facts.
However, here are some statistics, courtesy of the Insurance Institute of Highway Safety, that prove that men, for multiple reasons, are not as safe as women drivers:
- Over 70% of all people killed in car accidents are male.
- Men are 300% more likely to get ticketed for reckless driving, and 200% as likely to be cited for speeding.
- Men are cited three times more often for a DUI.
But we should also not forget another important fact: men drive 60% more miles annually than women, according to the IIHS. More time spent on the road means a higher likelihood of traffic violations, accidents, and filed claims.
Women and Car Insurance Companies
Fundamentally, the difference between male and female drivers is that men will pay higher car insurance rates than women. An additional factor to consider is age. For instance, a 50 year old male will receive cheaper car insurance quotes than a 17 year old girl. This is because a young driver, male or female, does not have an established driving record and is lumped into an age group that has a higher statistical chance of being involved in a car accident.
A closer comparison is that a 16 year old, young female driver will receive cheaper car insurance quotes than an 18 year old male driver. Nonetheless, on average, if you compare all the age groups of men and women, females will almost always get cheaper car insurance rates and comparison quotes.
Women Discounts On Car Insurance Quotes
Most women can save even more on car insurance rates as well. The following are easy ways for female motorists to get the cheapest car insurance possible:
Good Driver Discount - Women who stay accident-free or don’t file claims for a period of five years or avoid traffic tickets/citations for a period of seven years can earn a good driver discount, typically a savings of up to 25% off car insurance rates.
Multiple Policyholder Discount - Women who have other insurance policies bundled with one insurance company can receive up to 10% off each insurance policy’s premium. This means including home insurance, health insurance, or life insurance along with your car insurance coverage can help you get additional discounts.
Loyalty Discount - If a female, or any, motorist stays with the same car insurance company for a year or more, she can begin to save on car insurance rates. The savings will increase year after year and peak around the sixth year. Car insurance companies certainly want to reward loyal customers, however, still feel free to compare car insurance companies and get free auto insurance quotes to check if you are consistently getting the best rates.
Get Multiple Online Car Insurance Quotes For Women
The best way for anyone to find affordable car insurance is to compare multiple online quotes. Drivers should learn about all of the insurance company options available in the market. By comparing car insurance companies and making them compete for your business, you insure that the auto insurance company provides you with the best rates. The easiest way to get multiple online car insurance quotes is to input your zip code and we will show you the best insurance companies in your area, and help you get a quote in under 2 minutes. Find cheap car insurance for women now by comparing online quotes.
