What Is So Special About Womens Car Insurance?
Female driver come in for their fair share of criticism from men on the road. They are apparently dangerous and drive way to slowly but that, of course, is a definite male perspective. Car insurance companies actually take the exact opposite view. They actively encourage women to take up their womens car insurance policies because they tend to be safer on the road. There are many reasons why this is the case, but on a like for like basis, women save money every time.
Before getting into the finer details of those reasons, it is necessary for you to understand how much women can save over their male counterparts when it comes to car insurance. Mr and Mrs Bickley from the West Midlands proved that when they got car insurance quotes for their 2008 Ford Focus.
Both Mr and Mrs Bickley are 29 years of age and enjoy rural life. As a result, their home is in a low crime area. They also have a garage and an alarm system fitted just in case. Mr Bickley does have one more years no claims bonus than his wife, but their circumstances are identical otherwise.
The Bickleys went to E-Sure and CIS directly to get individual car insurance quotes as well as a couples one to compare the prices. Mr Bickley, having a years more no claims bonus, should have had lower quotes, but Mrs Bickleys quote was 107 less instead, all because she is a woman!
Female car insurance quotes tend to be lower primarily because the statistics prove that men have more accidents on the road, and higher serious accidents as well as general ones. As such, men make more claims than women and cost insurers their higher profit margins every year!
Men tend to drive far more quickly on the roads than women and do get pulled up by the police for driving offences more. Men also apparently have a lower concentration level and so are more likely to get distracted by something as they are driving.
The choice of car is also a big part of why male car insurance premiums are higher. Men have a habit of buying faster and more powerful vehicles because women think practically rather than living out their fantasies. If anything happens to the powerful cars, whether stolen or in an accident, it costs more to fix or replace them, which contributes to the premiums as well.
Womens car insurance can also be found for a cheaper overall price because there are specialist providers for the female drivers out there. These insurers are exclusive. As such, women get more affordable cover over their male counterparts.
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