Being A Women Has Distinct Advantages Within The World Of Car Insurance

If you are a women and you drive you are in a better financial situation when it comes to insuring your vehicle, whether it is a scooter, motorbike, van or car than if you where a man! Continued studies and research has shown that women make fewer insurance claims than men and therefore the insurance companies see women as less of a risk to insure than men.

As such they offer women lower insurance quotations. The reasons that the insurance company consider whilst giving this concession of being a woman are based on the following:

* The distances that a woman drives is, on average, less than the miles a car driven by a male , therefore less mileage reduced the chances of accidents. Anyone, irrespective of gender, can be offered discounts for low mileage; it is just that by stating that you are a woman you would be paying less.

* Women are less likely to add accessories and modifications to their cars than men. More women than men are prepared to drive their car without out the stereo system or boom box in the boot! They would be more cautious to keep the interiors tidy rather than leaving sat Navs, audio equipment and mobiles thrown onto the dashboard!

* The choice that many women make over the style of car they drive are more likely to be the ones which fall into the low insurance groups such as the small city style cars and the models with smaller engines.

* Women are typically more apprehensive about things going wrong whilst on the road and are more likely to ensure they have as security systems and alarm systems in their car than some men.

If you look at the above points women's car insurance discounts are grouped under one umbrella known as 'cheap car insurance for women' which is offered by the ever increasing number of women only insurance providers. However, using this hypothetical 'umbrella' may be costing women more than if they apply for quotations from insurance companies who provide insurance for both sexes.

Recent research carried out by one the UK's leading insurance companies has shown that women can find some very competitively priced insurance rates if they apply for quotes from other providers. If they wish to have their handbag insured whilst it is within their car all insurance companies have a pre-set limit on personal belongings within their policies, and they same 'rule' will apply to any valuable items which exceed this pre-set limit, which is that extra cover will be required.

Therefore if you want your Gucci handbag to be insured just let the insurers know and they can include that as an optional extra in the same way as they would expensive audio equipment! Whether you pay more at the end of the day will be wholly dependent on the starting price of a quote. Many women have found that it is far more cost effective to move away from the prestigious 'women only' insurers, as they are paying far more for their 'bespoke' car insurance for women and in some cases without as much cover as other insurance companies are offering.