As sexist as it may sound, gender sometimes place a significant role in a person’s car insurance rates. Women drivers usually get cheaper car insurance rates than men drivers, because statistically, of the two genders, women drivers are more conscientious drivers, who drive safer vehicles, and who file less car insurance claims. Sure, not all women drivers are better drivers than men drivers, but the statistics have spoken loud enough for many of the car insurance companies in America to listen.
However, American car insurance companies are not the only companies that have taken notice and began to offer cheap car insurance policies to women drivers; the UK is also offering lower car insurance rates to women drivers. There are many companies and organizations throughout the UK dedicated solely to helping women get cheap car insurance rates, as well as providing car insurance tips and advice to women drivers. A quick search of the Internet will bring up many of these organizations.
Of course, while women drivers may statistically get lower car insurance rates than men drivers, women drivers are subject to the same criteria as men are subject to, such as:
Driving records and histories of the driver and/or policyholder
Location in which the driver and/or policyholder lives and parks her car
Safety, make, model, and year of the vehicle being insured
Credit history of the policyholder
Age and experience of the driver and/or policyholder
For women drivers to optimize their ability to get cheap car insurance rates, they must practice safe driving habits of their own rather than riding the coattails of the safe women drivers before them as well as continue to drive safe vehicles and park their vehicles is safe locations, regardless of the area in which they live. Women drivers should also pay attention to their driving records and credit reports, as well as make improvements whenever necessary and possible.