Being a female shopper of car insurance has its benefits. One benefit that you can get is that you will be offered a female automotive insurance quote that has a cheaper premium. This is because there is a principle in the car insurance industry wherein non high-risk drivers are offered cheaper premiums, while high-risk drivers get to pay more.
Since women tend to be cautious drivers, this means they do not expose insurance companies to a lot of financial risks. Auto insurance providers are one in saying that women are considered to be safer drivers compared to the other drivers out there on the road. Because of this, women often find themselves with favorable rates.
This principle is not without basis of course. Based on some studies, around 98 percent of the convictions related to dangerous driving are linked to men and the rest are linked to women. These results only validate the claim that women are safer drivers, making them an important segment for insurance vendors. For someone who is looking for this kind of insurance, this kind of perception will work in her favor.
What you can do is to take a closer look at the advertising deals as offered by the insurance providers. Just a reminder though, gender alone will not give you a right to have a cheaper automotive insurance quote premium. But the sure thing is that your gender will be considered as one of the standard considerations that can affect the pricing of the auto insurance.
Your gender is one major factor that can pull down the female car insurance. Other factors that can be of help to you include the car category ( if it is small and lower performance car), the age, the presence of security devices on the car and whether or not you have taken advantage of promos as offered by other insurance providers on the limited number of miles that can be driven for a year.
Since women tend to be cautious drivers, this means they do not expose insurance companies to a lot of financial risks. Auto insurance providers are one in saying that women are considered to be safer drivers compared to the other drivers out there on the road. Because of this, women often find themselves with favorable rates.
This principle is not without basis of course. Based on some studies, around 98 percent of the convictions related to dangerous driving are linked to men and the rest are linked to women. These results only validate the claim that women are safer drivers, making them an important segment for insurance vendors. For someone who is looking for this kind of insurance, this kind of perception will work in her favor.
What you can do is to take a closer look at the advertising deals as offered by the insurance providers. Just a reminder though, gender alone will not give you a right to have a cheaper automotive insurance quote premium. But the sure thing is that your gender will be considered as one of the standard considerations that can affect the pricing of the auto insurance.
Your gender is one major factor that can pull down the female car insurance. Other factors that can be of help to you include the car category ( if it is small and lower performance car), the age, the presence of security devices on the car and whether or not you have taken advantage of promos as offered by other insurance providers on the limited number of miles that can be driven for a year.
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