Insurance rates are fast becoming more expensive, and there is a trend that shows the rates still rising. With this not too pretty development, car owners are starting to worry that they will not be able to afford premium payments anymore. Car insurance for women is considered still affordable, though. Generally, women automatically get discounts. This may sound biased for men, but there is a reason for this. Reliable statistics say that women drivers are safer drivers than men. Lady drivers are also proven to give their full attention while driving. Thus, there is lesser likelihood that they would get into accidents and figure in on road rage. Women also normally drive with children as passengers, mothers basically, so they tend to be more careful when handling the wheel.
Men think that giving discounts in car insurance for women is unfair. They contend that women are still busy while driving. Most could be looking in the mirror or fixing make-up, talking on the mobile or getting distracted by other drivers and passengers. There are debates going on about this issue, but until everything is cleared up, women will continue to get cheaper rates. Insurers are keeping their foot down for now, basing decisions on claims history. Records show that larger damages are caused by recklessness of men, and claims are more severe. If this trend will continue, women will keep on enjoying additional discounts.
Gender is not the only factor that affects costs of car insurance for women. For most insurance policies, the model of the vehicle is also considered. An older yet well-maintained car merits a discount. It has to have sufficient safety features like anti-theft alarm and airbags. A high-end sports car, for example will be charged more. The community where you live is also a factor. If in the past, there are many claims for coverage in your area, an insurance company will take that into consideration and quote you higher. Your mileage is also an important consideration. If you only drive around near your home, like the grocery or school where your kids study, there is a big chance your insurer will provide discounts to your premium.
It is true that car insurance for women is relatively cheap. However, there is still a way to make it even more affordable. The key is to ask around for quotes. The internet has vast resources; it is best to know what is available. Decide when you have studied all quotes available. Some may not apply to you, but you will definitely find the perfect partner in the end.
