Woman Car Cheap Insurance UK
We have all heard the stereotype that woman can’t drive, they are terrible at parking and move much too slowly. Recently however insurance companies have started to charge women much less, than men, for car insurance.
But why should women pay less for their car insurance? Well, insurers have not been charging the fairer sex lower premiums just out of the goodness of their hearts. They are rewarding women for having fewer accidents and therefore costing them less money in claims.
Car insurance companies have researched data over a number of years and found that the motor vehicle-related accidents that women drivers are involved in often don’t cause as much damage as accidents male drivers are involved in. Women drivers also don’t commit as many vehicle-related driving violations. As if all that weren’t enough, women drivers are also more likely to pass their driver licensing exams on the first try.
Statistically, men have a higher number of serious accidents; they drive faster, they have more powerful cars and they get pulled over by the police for driving too fast on a more frequent basis. Research has also shown that men are more easily distracted than women, with their attention being taken from the road while they are driving, so there are plenty of reasons why a woman’s car insurance is cheaper.
And we’re not talking peanuts when it comes to the difference in cost between car insurance for men and women. There is a great disparity in price between a car insurance policy for a woman and the exact same cover for a male driver with the same driving experience and no claims bonus.
Some couples can save money by being on the same policy, especially if they live at the same address, but others have found this doesn’t work for them, and find that the best quotes are to be had by going it alone and getting car insurance from two separate providers - and even then there can still be a dramatic difference in the cost for a male and female driver.
Recently we have seen the introduction of specialist companies that target women. Not only offering women lower premiums but also policies tailored for the needs of women. For instance theft cover for handbags in the car. Two examples of these companies are Sheilas’ Wheels and Diamond Car Insurance.
This doesn’t mean that having a good driving history isn’t important. If you are a older woman and you have no prior tickets then you will get the best rate. The longer you drive without any traffic violations, the better your rate will be. So as time goes by and you don’t get a violation, your rates will continue to drop.
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