How to Get Cheap Car Insurance for Females
Why Very Cheap Car Insurance is Available for Lady drivers
Aug 29, 2009
Taking out car or motor insurance coverage is a legal requirement under the Road Traffic Act for any person who intends to operate a motor vehicle. It is not a purchase that many lady drivers like making, so finding a way of getting cheap car insurance for females is high on the priority list.
Why is There Cheap Car Insurance for Females?
AA car insurance has calculated that a 17-year-old male driving a three-year-old Ford Focus CL 1.4-litre five-door in Cambridge costs £3,462. However, the same quote for a 17-year-old female driver is just £1,810. At the age of 21, men are charged £565 and women £333.
Get Cheap Car Insurance for Females From Specialist Insurers
Underwriters have determined that claims by lady drivers are lower than that of men. Simon Douglas, the AA Insurance director, stated that the average claim for a 21-year-old male driver was £4,500. However, it was just £2,700 for a lady driver. Several specialist insurers, such as girlmotor.com and sheilaswheels.com, have emerged offering very cheap car insurance for women.
Ways to Achieve Cheap Car Insurance for Females
- Insurance deductible. Increasing the amount paid before a policy pays out is an excellent way for women drivers to reduce the cost of insuring their car.
- Credit history. Providers have identified a correlation between those who are careful with credit and those who are careful in their car. Maintaining a good credit rating is important.
- Annual payment. Whilst paying monthly is more convenient, most insurers will offer discounts on womens car insurance to those who choose to pay annually. This is due to a reduction in administrative costs.
- Combined insurance. Discounts are offered by insurers for taking out multiple forms of coverage.
- Car alarm. The installation of an alarm system reduces the risk of theft. This normally means that premiums are reduced because there are fewer claims.
- Advanced driving course. Many insurers will charge less for coverage when the advanced drivers course has been passed. This is again due to fewer accidents and claims.
- Careful driving. Driving carefully and parking in safer spots will means fewer claims.
It is possible to get cheap car insurance for females from specialist providers. Lady drivers are also able to realise further cost savings by employing one or more of the above strategies. Combining these simple, yet effective, ideas will help to achieve very cheap car insurance for women.
Montia, Gill. (26 September, 2008). "Young male driver premiums continue to rise." Insurance Daily.
Disclaimer: This article in no way attempts to give legal or tax advice. One should consult a licensed attorney, tax advisor, or other qualified professional
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