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Women's car insurance has been popping up all over the web and our TV screens recently. There is an entire new class of providers like Sheila's Wheels and Cover Girl who provide motor insurance for ladies only. They promise lower premiums for women motorists because, they claim, it is cheaper for them to guarantee women. Women are better people therefore a diminished risk, they say. They've fewer accidents, fewer driving convictions and when they do have an, the repairs usually are cheaper. So, is it really true, or is it yet another advertising trick?
The solution to the problem is both yes and no. Women only insurance providers are advertising to a certain market - women drivers. Needless to say it is a device, but just like the most readily useful advertising gimmicks, it's located in truth. Listed below are the important points about women drivers and insurance:
-92% of driving convictions are given out to men.
As women be more aggressive people, those figures are changing, though. In accordance with statistics collected by the automobile insurance contrast website confused.com, 16.8% of male drivers have convictions on their driving record, compared to 9.8% of female drivers. That number is up from 4.8% of female drivers just 36 months before.
-Men travel differently than women.
This past year a monstrous 98% of dangerous driving beliefs were given out to male people. According to all the research, men tend to be competitive and more aggressive when driving than women, and that naturally contributes to more incidents. Women tend to drive more slowly - generally within the speed limits - and to drive shorter distances. All of those details total up to fewer incidents that involve women. (Therefore much for all those jokes about awful women drivers. The statistics say otherwise.)
-Insurance organizations pay out less in damages for policies taken out by women.
When women do enter into a crash, they tend to be of the fender-bender scrape variety. General, insurance companies have always known that female drivers cost them less in winnings.
However, that does not fundamentally translate to the lowest premiums from organizations that just ensure women. In fact, many provide true estimates which can be greater than the rate you'd be estimated from a more generic motor insurance provider. The fact remains that despite the common sentiment that girls drivers underwrite their more expensive male counterparts by paying higher insurance, many insurance companies offer lower insurance rates to female drivers as a part of conducting business.
That's not to express that you will not get the most useful price from an insurer who only insures women's vehicles. it's with every other vehicle insurance decision underneath line is the same. Shop around. Get insurance rate estimates from the number of different organizations before you determine the policy that is best for you. Remember when you're evaluating policies that you must always compare like with like. Decide on the cover that you want before you begin seeking estimates, and make sure that the price you are quoted includes all of the cover you need. It's the one method to be very sure you're obtaining the best address for your money. webaddress
