It Is Possible For Both Men And Women To Benefit From Budget Car Insurance?

There have been numerous different studies carried out over the years as to the validity of the claim that women are better drivers than men based on the reduction in insurance costs they are offered by many insurance companies.

The studies have not necessarily come up with a definite answer as which sex is the better driver, as their research is carried out using data from insurance companies as to who make the most claims from their policy, as well as studies on the differences in driving habits between men and women.

The results have time and time again proven that women make far fewer insurance claims than men and the claims they do make are usually for far smaller accidents and incidents. Men are deemed to be more aggressive drivers, with incidents of road rage far more commonly seen in male drivers.

Men are also more likely to be involved in high speed accidents, as well as more likely to drive whilst under the influence of alcohol or illegal drugs, which includes being stopped and breathalysed by the authorities the morning after the night they have been drinking or taking illegal substances, as the time lapse between drinking or taking drugs is insufficient for either to have been cleared through the body sufficiently enough to make the person display results under the legal drink-driving limits.

The studies also show that on average men drive more miles than women and therefore the percentage risk of them being involved in an accident rises. Men also drive more high performance cars than women, and another reason their insurance costs are higher, which has nothing to do with their ability to drive well, as the group banding rises the bigger the engine size and performance of the car the higher the premiums will be irrespective of whether it's a man or women behind the wheel.

Although the researches and studies have in many ways stereotyped men and put them all in a theoretical pigeon hole as a greater risk than women, there are ways they can make huge savings on their insurance which may help off-set the differences in annual insurance premium costs.

The most effective way to achieve low insurance premiums and in some ways dispute the controversy as to who are the better drivers, is to build up a maximum no claims discount, as this is proof that you drive cautiously and safely for which you will be rewarded by being offered massive discounts by the insurance companies.

You may also be surprised to know that some insurers will even take into consideration the colour of your car when they provide a quote. White cars have been proven to be less likely to be involved in an accident because they are more visible, however the reputation of the 'white man van' somewhat contradicts this! Therefore, when it comes to selecting which colour car you should choose opting for may help to reduce your insurance costs!

Budget car insurance can be offered to both sexes if they tick as many of the boxes as they can in the eyes of the insurers. Drive a sports car and the premiums will automatically rise, whereas a city car will lower the cost for both males and females!