Women Car Insurance Myths

It’s a long standing fact that women car insurance is cheaper than men’s. However, many people believe this for all the wrong reasons. They automatically think that a female driver looking for a local car insurance quote will always get a cheaper one just because of her gender. Not a lot of people realize that there are reasons that women’s insurance is cheaper, and these reasons can be utilized by men to their advantage as well. Here are a few misconceptions as to why female auto insurance is cheap.

Statistics Say So

Women are statistically less involved in road accidents, hence they are deemed as lower risk drivers than the opposite sex. Does this mean that a woman will always land a cheap local car insurance quote? Not necessarily. One of the reasons that women don’t get involved in accidents as often is because they don’t drive as much as men do. Women hate looking for parking spaces, so if they want to shop, they more often than not leave their cars at home. The less mileage on the car contributes to cheap insurance as well.

Cheap By Nature

By nature, women car insurance is cheap, yes, but upon reaching the age of twenty five, women and men often have the same rates since car insurance policies are mostly unisex. It is the driving record of the women until that age that lands them a cheap local car insurance quote. From the teenage years until twenty five, females tend to be in less accidents thereby making male car insurance seem naturally more expensive than female’s.

Female Teens’ Insurance Prove It

Teenage drivers tend to have costly car insurance policies. This is the age bracket where the female drivers tend to have a lower local car insurance quote than males, but not solely due to the gender. Female students tend to do better in school, which lands them discounts in auto insurance. They also learn to drive defensively early on, unlike the male majority who just want to show off their set of wheels.

As you can see, women car insurance indeed is lower than men’s, but statistics has little to do with it. If you are male and you seek a cheap local car insurance quote, you can simply do as the women do – do well at school if you’re a teen, pass driving courses, maintain a clean driving record, and what have you. You will then find out that your car insurance isn’t all that different from a woman’s.

By: Mark Jensen

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