Shopping for car insurance is not easy. There are so many alternatives, how to pick the right one? We have gathered the most useful and up to date information for buying and choosing the right car insurance. We hope this site proves useful for you in your quest! Don't forget to bookmark us and come back often!

Car Insurance For Lady Drivers

by Joseph Kenny

Car insurance companies prefer lady drivers to their gentlemen counterparts because they are considered as much less risky drivers. It is not that the accident rates of ladies are low. They face as many accidents as males do. However, the damage caused by them is not as much in most of the cases. So, their claims after the accident are also less. That is why on an average women's car insurance premiums tend to be 30% lower than that of the male counterparts having same demographic profile.

They drive at speeds lower than men. Hence, accidents caused by lady drivers are not serious. So, even if they might claim as often as males do

Cars at up to 90% off the book value!

yet, in all they claim less amounts, giving insurers lesser premiums. Since the male drivers drive at higher speeds so even if they crash on their own, the loss is high. In case, the accident involves two vehicles in high damage state, it becomes an insurance company's nightmare.

A lady is regarded to be a better risk right from the age of 17. There are many premium discounts available for a young lady driver, like pass plus certificate. It is a series of extra lessons that a young lady driver learns following their test. It can gain you a discount of around 30% for the first year.

Some car insurance companies specialise in

      Get a free brand new car!

auto insurance for women drivers. Literally, these companies try to insure women drivers only. They don't even encourage getting a lady insured with her husband under combined policy. Because they can't give too much discount, as they have to think about her husband's high risk factors as well. So, they would prefer woman with woman. It means providing less risk in total, meaning lower premiums in total. That really clicks for them.

So, the calculation is simple - the lower premiums might mean that they don't make much profit. However, if they can get as many women as possible, then the volume of business can go high. Look out these

companies if you are a woman. Lady car insurance quote includes legal cover as well. It helps you to claim back your excess from the third party in the event of a non-fault claim. You can further lower your premium by parking your car overnight in the garage, by getting extra driving license course, and maintaining a good driving record.

About the author:

Joseph Kenny is the webmaster of the insurance site http://www.insure121.com/ where you will find information, news and links to the leading providers of car insurance in the UK.

Related Articles

Car Insurance online quote - Chris Gunnels
Car Insurance online quote with a state by state guide. Auto insurance is designed to protect you, your family, and your investment (your automobile) in the case of an accident. Based on a profile of the primary driver (including your driving...

Comparing Discount Car Insurance Companies - Things To Know Before Getting A Quote - Greg Haehl
You are looking for an insurance policy for your car. Several companies give you proposals; all of them are based on the same information which you provided. The policies have widely varying costs and proposals. How can you wisely choose the best...

Car Insurance, Save On Premiums! - Michael Challiner
Everyone has to agree to an excess of some kind when getting a car insurance policy – it's the way the system works. Basically it means that if you have an accident and your car needs to be repaired, you will have to pay a set amount towards the...

Georgia Car Insurance - Austin Davis
Georgia Auto Insurance Georgia auto insurance is necessary for all vehicle owners in Georgia . You need to have valid proof of sufficient Georgia auto insurance even before you register or secure the title of your vehicle. These days it...

Seven Steps to Filing Your Car Insurance Claim - Jon Register
Having even a teeny-tiny car accident can be one of life's least enjoyable moments. However, accidents happen, and sooner or later, we all have the experience of meeting one of our fellow road travelers up close and personal. Using the following...

UK Sports Car Insurance - Max Bellamy
This article provides useful, detailed information about UK Sports Car Insurance. A large number of UK insurance companies offer specialized insurance for sports cars. These insurers require previous experience with a...

Getting A Good Car Insurance Rate For Your Teen - Saving Money When You Need It Most - Jessica Farrell
If you'd like to insure your teenager to drive your car, be prepared to pay through the nose. It's an unfortunate fact of life that young people tend to have more accidents than their older counterparts, and insurance companies know this all too...

Need more information? Try a search:

Google

Latest news on Car Insurance

Brought to you by Yahoo News

From CNN and Money magazine, CNNMoney.com combines business news and in-depth market analysis with practical advice and answers to personal finance questions.
Credit card debt at an 8-year low
The amount of credit card debt consumers are carrying dropped to an eight-year low and delinquencies continued to decline in the second quarter as consumers looked to shore up their savings.

6 steps to improve your credit score
Ready to embark on the quest for an 800 credit score?

The new young investor: Shunning stocks
When 18-year-old Robert White decided to jumpstart his retirement plan, he invested his life savings of $25,000 into an aggressive mutual fund.

Tired of living paycheck to paycheck
Question: I've been trying to be a little more thrifty lately. I realize that a lot of the luxuries Americans have are "wants" not "needs." Basically, I'd like to balance my household budget so I don't end up with just $30 at the end of the month. I'd even like to start building some savings. Any suggestions? --Kim, Idaho Falls, Idaho

4 tips for caring for mom and dad
Caring for an ailing or aging parent is never easy, but the challenges only multiply when Mom and Dad live far away.

Will the next pop be the bond bubble bursting?
Question: I'm within five years of retirement and currently have about 35% of my investments in bond funds. With rising interest rates a likely scenario, how do I stay diversified without exposing myself to a "bond bubble"? -- John Clay, East Helena, Montana

The U.S. is a mess. Should we invest overseas?
Question: Looking into the future of the American economy, I see tons of debt, the yoke of increasing social spending, pork-fed bureaucratic waste, the exporting of jobs and the importing of poverty. While this may paint a negative picture, I feel it's reality. We all want to be patriotic, but aren't there more fiscally responsible places to invest in that may offer a better landscape? --Dave, Bethlehem, Penn.

RSS feeds
Increased Web Site Traffic