Car insurance for women can be found easily and is often cheaper than for men. Do you think this is because of sexism? You are correct if you answered yes. This attitude towards women drivers, whatever you call it, is based upon facts and reflected in the lower price. It is a known fact that women are more likely to be involved in accidents than men. Women are more likely to wear their seatbelts and obey traffic laws. Although insurance companies charge less for women drivers than they do for men, they still make more money by paying less in damages to their male customers.
How do we find the best car insurance deals for women?
These eight tips will help the female driver be savvy and select the right coverage for the best price.
1. Be aware of what you’re buying
Comprehensive and collision cover physical damage to your car. This policy covers you for property damage and injury to passengers, pedestrians, or you, as the driver. Comprehensive coverage is required for any accident that causes serious damage to your vehicle. This policy covers you for any unexpected events that may occur, including running into a deer or a tree that falls on your path. This option also covers vandalism, car theft, and weather-related damage. Although carrying liability is mandatory, you don’t have to insure your car or pay for medical bills if there are any accidents.
Most people have only the minimum coverage to allow them to drive legally. If you still have to pay for the car, you must also have collision and comprehensive coverage. It is more expensive to insure a new car than a used one. There are many reasons why you should consider purchasing a pre-owned car. The difference in cost is amazing. It will cost less to replace a pre-owned car. Repairs are also less costly. It is up to you to decide whether you want to buy new or used.
2. Ask about the discounts
The most common discounts offered by companies competing for you business include, but aren’t limited to:
- Multiple car discount
- Excellent driving record
- Your age (over 21+).
- Multiple policies for one company (e.g. Home and Auto
- Senior driver
- Students who have good grades
- Non smoker
- You drive a vehicle that has more safety features than the average.
When you are negotiating with the carrier for your car insurance for ladies, pointing out that you may be eligible for one or more of the following options can help you reduce the initial price you were quoted. These discounts are not guaranteed. If they don’t tell you, you can ask them. You are eligible for discounts that you weren’t qualified for previously, even though your situation is constantly changing. It is a good idea to review your policy annually. You may be able to change your insurance carrier to one that understands that women’s car insurance is highly valued and sought-after.
3. Raise your deductibles
You can increase your deductible by taking on more financial responsibility for damages. This will result in a significant drop in your premium. This is a great opportunity for you if you have a clean driving record and have not been in an accident for a while.
4. Loyalty is highly valued and costly
Drivers develop an emotional attachment to agents they’ve known for a while. Although it is tempting to believe that the agent will always have their best interests at heart when renewing their policy they are rarely right. You can shop around for the best deals and then bring it back to the table when renewal comes around. This is a great way to keep everyone honest. There is no doubt that companies are competing for female car insurance sales. Let them make an offer you won’t accept.
5. Do the math and confirm your mileage
Don’t guess how many miles it takes to get from work to your home. Do the math, check it out and give the agent a real number. You might be eligible for a little known discount.
6. Plan your payments
Most drivers must make monthly payments to their policy. The amount due on a semiannual or quarterly bill is often high and difficult to pay all at once. However, by paying monthly, you will incur a surcharge between $3.00 and $5.00 per month.
7. Electronic payment
Insurance companies, like many other businesses appreciate automatic payments. Many carriers also appreciate the guarantee that your payment will arrive in their accounts when you expect it to.
8. Keep your credit score high
Studies have shown that people with high credit scores are more likely to be safe drivers and have less accidents. Responsible people are more responsible with their finances and tend to be better drivers.
You might be eligible for any of these discounts, so it is a good idea to shop around before you commit to another insurance premium. Find websites that offer car insurance for women online and get free quotes. Comparing prices online saves time and avoids the high-pressure sales tactics insurance agents are known for. All the information that you can get from your local representative is also available online. You might be concerned that your claims will not receive the same priority through an Internet insurance company, as you are just another number and not a person. This myth is just one of many.
After an accident, your agent won’t hold your hand or guide you through the process. They will just refer you to their claims department.
You can search for affordable women’s car insurance by using the techniques and information I have provided. Ask for and compare quotes from multiple companies. Verify that the quotes you receive are for the same coverage and the same deductibles. Ask for discounts and then present your new lower-priced insurance package to your familiar agent. Let them make you the best offer. If they are unable to complete the offer, it is time for you to change.