Car Insurance for Women Drivers

Women Drivers Car Insurance

Female drivers are statistically better drivers than male drivers and were often given cheaper rates on car insurance as a result. The claims that women make are normally for smaller incidents such as scrapes and bumps. As a result of this they resulted in cheaper payouts on the part of insurance companies.

Change in Car Insurance Laws

Men are responsible for a huge 92% of motoring related convictions in the UK, this fact is made more astounding when you learn that 98% of cases of dangerous driving are at the hands of male drivers. However, the European Court of Justice has since changed the law regarding the evaluation of insurance rates. The change means that car insurers are now no longer able to discriminate against drivers on account of their gender.

As a result of this legislation, women have seen their rates go up by 30% on average in the last four years. Although this may seem like a disastrous development for any women who are looking to get a good deal on their car insurance, there are still ways to make sure that you are getting the best deal for your money. The best way to do this is to run an insurance price comparison. Doing this will make sure that you are aware of all the best offers that are available to you on the market right now. Here at Money Expert we offer a free and impartial price comparison service that will guarantee that you find the best rates on your car insurance.

Even though women drivers can no longer get a lower premium on account of their gender, there are still several factors that affect the amount of money you will end up paying on your car insurance plan. These factors include details such as your age and occupation.

Factors Affecting Female Car Insurance

Age is possibly one the biggest concerns of any car insurance company, including when it comes to insuring women drivers. Generally speaking if you are under the age of 25, you should be expecting to pay the higher rates on your premium.

The reason that younger drivers are often charged the most is that they are the most likely to be involved in motoring accidents. This is because they are thought to be the least experienced and also the most reckless, although these are both generalisations.

Another factor that effects how much insurers will charged you is the type of car you drive. Rates are normally higher if you drive a car with a bigger engine as these can be driven at faster and therefore more dangerous speeds – meaning that the amount of damage done will often be more expensive.

If you drive a car from a more expensive manufacturer, you will probably find yourself paying higher rates as well because the cost of repairs and parts are considerably higher. Every car is put into one insurance group out of a possible 50, this is designed to help insurers categorise cars in a more uniform way.

The amount that you drive your car will also affect the cost of your insurance policy. The higher your yearly mileage the higher the rates that you will pay. This is because the more time that you spend on the road, the more likely you are to have an accident. The length of time that you have been driving will also be a factor as the more experienced you are, the less likely you are to be involved in an incident and make a claim.

How to Save on Female Car Insurance

The best thing that you can do in order to make sure that you are not overpaying on your car insurance is to run a price comparison. We offer a free and impartial price comparison service that will show you exactly which deals you could be receiving and which insurer you could be saving money with.

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