Until about 10 years ago, cheap car insurance for women drivers was not a priority for most insurers’. Today, women can get some excellent deals on their motor insurance, but as with most things, you have to shop around to find the best prices.
Below is a short guide to help women find the cheapest car insurance deals.
Car insurance prices seem to be considerably lower for women than they are for men and this is especially noticed up to the age of 45. When drivers hit this age the price of their car insurance begins to level itself out.
The Facts about Car Insurance for Women
Statistics in the UK show that women are safer drivers than men and insurance premiums are partly based on these statistics. Below are some of these figures:
- Government figures show that over 92% of driving convictions in the UK are for men.
- Male drivers are responsible for 98% of all dangerous driving convictions.
- It is proven that women tend to drive more slowly, carefully and shorter distances than men.
- Even though women have the same amount of accidents a year as men, the accident is less likely to be as severe. This means that women drivers overall claims experience are a lot better than that of male drivers.
Cheaper Car Insurance for Female Drivers
All the advice given in our main car insurance guide applies as equally to women as it does men; however here are a few more tips and tricks on how to get the best and cheapest car insurance deal if you are a female driver:
- Purchase a car that has a small engine or is in a lower insurance group. To see what insurance group your car is in click here.
- If you are a new driver you should definitely consider taking out your own policy rather than being a named driver on someone else’s. Yes it will be a bit more expensive, however in the long run your insurance will be cheaper because you can build up your no claims bonus. A 1 year no claims bonus will give you a 30% discount on your premium.
- Try to avoid modifying your car. These modifications include alloy wheels, body kits, sport exhausts, engine modifications, etc. These modifications, even if really small, can increase your premium drastically.
- Adding additional security features to your car can lower your premium. Security features such as immobilisers, central locking, car alarms, etc can really help save you money.
- If you only use your car for short journeys then try and estimate what your annual mileage is because putting a cap on your mileage can get you a further discount on your premium.
- Some insurers specialise in offering car insurance for female drivers so look out for these insurers to save even more on your car insurance.
- Older drivers should avoid putting young drivers on their policy as named drivers as this will increase your premium drastically.