As a working woman, life is tough enough for you, and you certainly don’t need the additional stress dealt out by auto insurance salesmen. Most women already find it hard to get a good auto insurance deal, women by large aren’t as comfortable with cars as men are, and this puts them at a weaker stand when dealing with a sales representative. Over the years women have proven that they are just as good behind the wheel of a car as anyone else, and you need to remember that. Most women get muscled into paying higher premiums by sales representatives trying to earn a higher commission from the insurance company. It’s not uncommon for women drivers to get stuck with cover they don’t need.
A secret most women don’t know is that insurance companies at large prefer women as customers. They tend to be safer and more sedate drivers. According to studies the number of women who file claims is far less than the number of men, and insurance companies are more than willing to reward their women drivers. Due to this they offer them a lower rate of interest, much to the dismay of most men on the road. Single mothers also qualify for a discount with most companies.
Here is what you can do:
First and foremost, do your homework over the internet, where you can learn the jargon and terminology used at your own pace. Understand exactly what cover you need, and how much you don’t need, and how much you should pay for it. The trick is to make up your mind as to what your requirements are before you begin shopping for insurance, this way no sales representative can take you for a ride.
Make a list of all the cover available, then strike off what you think you will not require. If you are insuring a new car, it pays to take both comprehensive and collision cover, if you drive an older vehicle, just settle for collision cover. If you have been driving for a few years, and have a spotless record, go for the state minimum coverage, and save a few dollars. However if you are new to driving and/or cover a lot of distance on a regular basis, increasing the extent of coverage might prove to be a smarter choice in the long run.
Deductibles are another factor worth considering, you can set your deductibles to a higher amount, and save on your premiums, however bear in mind that you will need to pay your deductible amount in the event of an accident. So, on this factor you really need to weigh the pros and cons before you make a decision.
The internet is a powerful tool to find information, don’t shy away from making it work for you, get online, request quotes. The benefit of the internet is you can take your time and understand your policy, and not feel rushed to take a decision.
Specifically look for companies who specialize in car insurance for women. Not only are they easier to deal with, but they also provide a host of other benefits, for example cover for sopping items left inside the car, and also counseling after an accident. Bare in mind, these aren’t free features, but add-ons, and can be used as and when required.