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Women's car insurance has been popping up throughout the net and our TV screens lately. There is a complete new class of insurers like Sheila's Wheels and Cover Girl who offer auto insurance for women only. They offer lower costs for women drivers because, they claim, it is cheaper for them to ensure women. Women are better people therefore less chance, they say. They've fewer mishaps, fewer driving convictions and when they do have an, the repairs are often cheaper. Therefore, is it really true, or is it just another advertising device?

The answer to the problem is both yes and no. Women only insurance firms are marketing to a particular market - women drivers. Needless to say it's a trick, but such as the most readily useful marketing gimmicks, it's based in truth. Listed below are the reality about women drivers and insurance:

-92% of driving convictions are handed out to men.

As women be much more aggressive individuals, those figures are changing, though. According to data collected by the vehicle insurance comparison website confused.com, 16.8% of male drivers have convictions on the driving record, compared to 9.8% of female drivers. That number is up from 4.8% of female owners just three years ago.

-Men travel differently than women.

A huge 98% of dangerous driving convictions were handed out to male owners last year. According to all the research, men tend to be more aggressive and competitive behind the wheel than women, and that naturally leads to more incidents. Women often drive more slowly - usually within the speed limitations - and to drive shorter distances. All of those facts add up to fewer incidents that involve women. (Therefore much for those jokes about poor women drivers. The statistics say otherwise.)

-Insurance businesses spend out less in damages for policies taken out by women.

When women do enter into an incident, they are generally of the fender-bender scrape selection. General, insurance companies have always known that female drivers cost them less in winnings.

Nevertheless, that doesn't necessarily translate to the lowest payments from organizations that just guarantee women. In fact, many of them offer actual prices which are higher than the rate you had be estimated from a more universal motor insurance provider. The simple truth is as a part of doing business that despite the common belief that females drivers underwrite their more expensive male counterparts by paying higher insurance, many insurance companies offer lower insurance costs to female drivers.

That is not to express that you will not obtain the most useful price from an insurer who only insures women's vehicles. it's with any other car insurance decision underneath line could be the same. Check around. Get insurance price estimates from the quantity of different organizations before you determine the plan that is best for you. Remember when you are comparing guidelines that you must always compare like with like. Choose the specific cover that you need before you begin requesting rates, and ensure that the rate you're quoted includes all of the cover you need. It is the one method to be sure you're having the most readily useful cover for the money. home page