What Is So Special About Womens Car Insurance?

Women drivers are well known for their well, it really depends on the perspective you are looking at them from. If you are a male driver that has an unbelievable need to put your foot down then they are nothing but a nuisance. However, if you happen to be a car insurer then you will probably be more than happy to offer them car insurance at a cheaper rate than you would a man of the same age, driving experience and make and model of car. Womens car insurance is a big sector of the insurance industry at the minute and there are plenty of reasons why.

However, it is necessary to look into the financial and practical reasons as to why car insurance quotes are cheaper for women than men. The former can best be explained by the case of Mr and Mrs Bickley from a small village in the West Midlands. Their brand new Ford Focus needed insuring and so they both set about getting quotes.

They are both aged 29, with Mrs Bickley being older by three months. They live in a rural, low crime area and have a secure garage attached to their home. The only difference, apart from gender, is the fact that Mr Bickley had 4 years no claims bonus instead of the 3 that Mrs Bickley had.

The Bickleys went to E-Sure and CIS directly to get individual car insurance quotes as well as a couples one to compare the prices. Mr Bickley, having a years more no claims bonus, should have had lower quotes, but Mrs Bickleys quote was 107 less instead, all because she is a woman!

This is a great example of the fact that women pay less for their car insurance than men. This is because women do not have as many accidents, and have far fewer serious accidents if the statistics are to be believed. This all points to the fact that women do not tend to claim on their insurance whereas men do. As such, an insurer can lower the premiums for women because their profits are greater as a result of the lack of claims!

Men tend to drive far more quickly on the roads than women and do get pulled up by the police for driving offences more. Men also apparently have a lower concentration level and so are more likely to get distracted by something as they are driving.

The choice of car is also a big part of why male car insurance premiums are higher. Men have a habit of buying faster and more powerful vehicles because women think practically rather than living out their fantasies. If anything happens to the powerful cars, whether stolen or in an accident, it costs more to fix or replace them, which contributes to the premiums as well.

There are also now specialist womens car insurance providers that will only offer cover for women. They will not insure men at all. Again, this makes the insurances out there more affordable for the female of the species and narrows the options for cheap car insurance for the men!