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Cheap Car Insurance for Women

Woman driving: cheap car insurance for women

True or false: Women get cheaper car insurance rates than men.

The answer is… True!

So ladies, take advantage of this special perk and make sure you pay less for auto insurance. Also, find out why car insurance companies think we make good customers and offer cheap car insurance for women!


Top reasons why women pay less for auto insurance:
• Female drivers wear their seatbelts more often
Women get fewer speeding tickets and moving violations
• Female drivers have fewer accidents than male drivers
• Women don’t drive as fast, so when they have accidents there’s less damage
More men die each year in car accidents than women


Reasons to buy car insurance
Now that you know that cheap car insurance for women is available, start shopping for insurance if you don’t have it. Why is it important to have car insurance?:
1- Avoid expensive medical bills. If you have an accident and you don’t have health insurance or have limited coverage, you may have to pay thousands of dollars if you need medical attention.
2- It’s the law. Most states require a minimum amount of car insurance coverage, so if you drive without insurance you are breaking the law and you could lose your driver’s license. If you then try to get car insurance, you may be charged more money because the insurance company may consider you high risk.
3- Protect your car. If you have an accident or if your car is stolen and you can’t afford to replace it, you’ll be left without transportation.
4- Avoid liability. In the event of an accident, you could be responsible for claims by the other driver if the accident was your fault.


Tips for women for getting cheap car insurance
To pay even less for car insurance, follow these tips:

1- Learn about the different types of car insurance coverage, including bodily injury liability, property damage, uninsured motorist, collision, comprehensive, personal injury protection and medical payments. This way you’ll understand what you’re buying when you’re shopping for a car insurance policy.

2- Find out what your state requires. Your state may require specific coverage for your car, for example, a minimum of $10,000 for property damage liability if you live in Florida. If you have a car loan, the lender may require you to get comprehensive auto insurance. You can choose the minimum insurance required, but remember that you will be better protected if you have a more complete auto insurance policy. For example, liability protection and uninsured motorist coverage are important if you have an accident with a driver who doesn’t have insurance. Medical payments coverage is important if you don’t have health insurance.

3- Ask for a discount. Companies often give discounts, so make sure you ask your agent. Also, mention if any of the following applies to you:
• You’re a safe driver
• You have a child who drives and is a full-time student under 25 years old, not married and gets good grades
• You don’t drive your car a lot
• You are switching your policy from another auto insurance company
• Your car has airbags, motorized seatbelts, anti-lock brakes and/or a car alarm
• You are insuring more than one car, and/or your home with the same company

4- Choose a higher deductible. If you have a higher deductible, you can save money by paying lower premiums. But remember, if you have an accident or need to use your policy, you will pay a higher deductible at that time. Think about how much you could pay if you were to get into an accident: $500? Or $1,000?

Now you know it’s a fact that cheap car insurance for women is easy to find. But since women get better rates on car insurance, does it mean that they are better drivers than men? We’ll leave that up to you to decide.


Photo: dtpancio

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