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Car Insurance for Women Drivers

Car insurance for women drivers can be expensive. If you’re under 25, new to the insurance game, and a new driver on the road, you can be sure you will pay more than men. This was the situation until 2012. In December 2012, European law made it illegal for insurers to charge different prices for insurance based on gender. However, there are lots of ways and methods that can be used to further reduce the cost of your insurance premiums. Before you compare, explore and snap up the many options available to you through Insuro, have a look at these ways and help to make your competitive quote even more competitive!

Why car insurance for women drivers cost more than men

In 1998, the insurance group AON did a survey of safety measures that could reduce accidents. The most important one, they said, was the installation of airbags. But airbags only reduce the risk of fatal accidents by 12%. They also cited seat belts, anti-lock brakes, and other things that reduce accidents, but not by nearly as much.
What they didn’t cite were anti-theft devices.

In the UK, women’s car insurance rates average 25% higher than men’s. This is partly because women are more likely to have accidents, partly because women statistically have more dependents, and partly because women are statistically less likely to be responsible drivers. The 25% has nothing to do with safety.

A woman with a husband who insures both himself and the car stands to get the same rate as a man with the same husband, and a woman with another car stands to get the same rate as a woman with another car.

In the UK, a woman’s car insurance rate is determined by:

  1. the number of accidents she has;
  2. the number of passengers she has, and
  3. the combined ages of herself and her passengers.

Insurance companies make the same rates for men and women, and on cars with anti-theft devices. But a woman with a car without anti-theft devices pays more than a man with a car without anti-theft devices.
The insurance industry does not claim that its rates for women have anything to do with safety. They say their rates reflect actuarial risk: as women age, their risk of accidents increases, so the rates increase.

How anti-theft devices can lessen your car insurance rates

An anti-theft device in a vehicle or in a home helps in security by providing a little more protection against theft. The devices will help make your house and car a less inviting target for would-be thieves, who may decide to simply move on when they find nothing of value to steal.

Car Anti-Theft Devices such as car alarms and car locks can lower your insurance rates. Insurance companies prefer drivers with anti-theft devices. Some anti-theft devices, such as steering wheel locks, are relatively cheap. Others, such as security alarms and GPS locators, can cost hundreds of pounds. But insurance companies often offer discounts of up to 15% for installing those devices.

The savings are partly due to the reduction in the likelihood of theft. But they are also because insurance companies are confident that drivers with anti-theft devices will take precautions to protect their cars, which means fewer accidents.

In practice, drivers with anti-theft devices do tend to drive more carefully. And their insurers do seem to be right. The number of accidents involving cars with alarms, tracking systems and other similar devices has fallen significantly. But not everyone is comfortable with the idea of being tracked, and in 2012, 26% of drivers in Britain said they do not currently use anti-theft devices.

What factors influence the cost of car insurance?

Car insurance is very important for all drivers. There are many factors that influence the cost of car insurance. Those factors are:

  • age
  • type of car
  • mileage
  • the size of your car
  • your driving record
  • where you use your car
  • if any person is on your policy, etc.

But all other things being equal, the cost of car insurance increases as the risk of an accident increases. Choosing cheap car insurance isn′t easy because the cheapest car insurance usually has many requirements before it will insure you.

But knowing about insurance costs is not enough. You need some way to compare the policies and insurers, and that is what Insuro is here for.

Many people believe that women are discriminated against when it comes to car insurance. While it is true that women are usually charged differently than men for car insurance, this only goes so far. Insurance companies take a number of factors into consideration when determining the rates they charge men and women, and these factors include:

Gender

The gender of a person is the single largest factor in determining the cost of car insurance. Because men are statistically more likely to be involved in accidents, insurance companies charge them more for car insurance, since they have a higher chance of having to pay out for damages.

Age

Insurance companies also charge more for car insurance as they get older. The reason for this is the fact that older people are more likely to be involved in accidents, and older people tend to have more accidents.

Marital status

Married people pay lower rates for car insurance than those who are single. The reason for this is that married people tend to be less accident-prone than single people. Also, married people tend to have fewer accidents than single people.

Driving record

If a driver has a history of accidents, insurance companies charge them more for car insurance. Also, if a person has been driving for a long period of time without car insurance, insurance companies also charge more for car insurance.

Credit rating

Insurance companies also scrutinize a person’s credit rating, since it is an indication of a person’s overall financial stability. If an insurance company believes that a person’s credit rating is shaky, they may charge them more for car insurance.

Make of car

The type of car you choose can make a difference to the cost of your policy. Choosing to invest in a car which is more compact and less powerful with added safety features will mean that your car insurance is more likely to cost you less.

Lower mileage

Having lower mileage on the clock often means that your car insurance will be lower. This is because fewer miles means fewer chances of being involved in an accident. This will reduce any claims, hence, your premiums will be decreased.

Increased excess

To decrease your premium costs even further, you can take out voluntary excess on your policy. This will help you to reduce your costs because your insurance company will be reassured that you won’t be constantly claiming on your car insurance.

Careful driving

Driving with care and attention and keeping to the rules of the road will reduce or eliminate the chances of you getting involved in any accidents. It will also mean that you are a lot less likely to incur driving penalties. These factors should contribute to your premiums being lower and falling over a period of time.

Do women drivers get discounted car insurance rates?

Women drivers may pay less for car insurance than men. Insurance companies offer discounts for women drivers based on their driving records such as fast driving, accident-free driving, driving history, age, driving tickets, etc.

Car insurance companies may offer you a discount if you

  • drive safely
  • drive for 5 years or more
  • have defensive driving
  • have low mileage

Certain companies may even offer a discount for 3 years in a row.

Benefits of car insurance for women drivers

The first thing any woman driver needs to know about car insurance is that it doesn’t matter if you’re a woman or a man, if you’ve been driving for 3 or 40 years, if you get in an accident, you will almost certainly pay more in premiums than a man.

There are many benefits of car insurance for women drivers in the UK, one of which is better premiums. The cost of insuring a motor may be based on several factors including your age, previous claims, price of the vehicle and area you live in, etc.

An important thing to consider when purchasing car insurance for women drivers is your driving record. This can have a direct impact on your car insurance premiums. If you are a new driver or currently have one or more points, you should expect to pay more for your insurance coverage. The same is true if you only have liability coverage. Choose between full coverage and liability but make sure to pay attention to the state minimums for coverage amounts.

In addition to the cost savings you may stand to make, there are some extra benefits to taking out car insurance for women, with many policies adding in handbag and handbag contents cover, as well as child car seat cover.

Compare today to check out the many benefits and money saving options our hundreds of outstanding insurers are ready to offer you, then take out your car insurance for women with Insuro!

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