Quotes Shark

Women’s car insurance has been popping up every over the net and our TV screens lately. There’s a whole new

class of insurers like Sheila’s Wheels and Cover Girl who offer car insurance for ladies only. They promise decrease premiums for women drivers

because, they claim, it’s cheaper for them to insure women. Women are better drivers so a lower risk, they say. They have fewer accidents, fewer driving

convictions and when they do have an accident, the repairs are commonly cheaper. So, is it essentially

factual, or is it only another marketing gimmick?

The answer to the question is together yes and no. Women only insurance companies are marketing to a specific niche – women drivers. Of course it’s a gimmick, but like

the greatest marketing gimmicks, it is based in detail. Here are the facts about women drivers and insurance:

-92% of driving convictions are handed out to men.

Those figures are changing, though, as women become extra aggressive drivers. According to information gathered by the car insurance evaluation

site confused.com, 16.8% of male drivers have convictions on their driving record, compared to 9.8% of lady drivers. That number is up from 4.8% of female drivers

just three years ago.

-Men drive differently than women.

A whopping 98% of dangerous driving convictions were handed out to guy drivers last year. According to every the research, men tend to be more aggressive and

competitive behind the wheel than women, and that purely leads to more accidents. Women tend to drive more slowly – commonly within the speed

limits – and to drive shorter distances. Each of those facts add up to fewer accidents that involve women. (So much for each those jokes about lousy women drivers. The

statistics say otherwise.)

-Insurance companies pay out less inside damages for policies taken out by women.

When women do acquire into an accident, they tend to be of the fender-bender scrape kind. Overall, insurance companies have

still known that lady drivers charge them less in payouts.

However, that doesn’t necessarily translate to the lowest premiums from companies that only insure women. In reality, lots of of them offer actual quotes that are higher than the rate you’d be quoted from a more generic motor insurance company. The

truth is that despite the widespread sentiment that women drivers underwrite their more expensive male counterparts by paying higher

insurance, most insurance companies offer reduce insurance rates to lady drivers since a customary section of doing business.

That’s not to say that you won’t purchase the greatest price from an insurer who just insures women’s cars. The bottom line is the same

as it is using any other auto insurance decision. Shop around. Purchase insurance rate quotes from a number of different

companies before you select on the policy that’s finest for you. Keep in mind when you’re comparing policies that you

ought to ever compare like with like. Desire on the specific cover that you

select before you begin requesting quotes, and make sure that the rate you’re quoted includes every the cover up you

require. It’s in fact the only way to be entirely certain you’re getting the

finest cover up for your money.

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