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Women's car insurance has been showing up all over the net and our TV screens recently. There is an entire new class of providers like Sheila's Wheels and Cover Girl who provide auto insurance for girls only. They offer lower rates for women drivers because, they state, it is cheaper for them to cover women. Women are better drivers therefore a lowered chance, they say. They have fewer accidents, fewer driving convictions and when they do have an, the repairs are often cheaper. So, is it really true, or is it just another marketing trick?
The answer to the issue is both yes and no. Women only insurance companies are marketing to a certain niche - women drivers. Of course it is a gimmick, but just like the most readily useful advertising gimmicks, it is located in reality. Listed below are the reality about women drivers and insurance:
-92% of driving convictions are passed out to men.
These figures are changing, though, as women be more aggressive people. According to statistics gathered by the automobile insurance comparison website confused.com, 16.8% of male drivers have convictions on their driving record, compared to 9.8% of female drivers. That amount is up from 4.8% of female owners just 36 months before.
-Men drive differently than women.
A tremendous 98% of dangerous driving beliefs were given out to male owners a year ago. According to all of the research, men are generally competitive and more aggressive when driving than women, and that naturally leads to more accidents. Women often drive more slowly - broadly speaking within the speed limits - and to drive shorter distances. All those details total up to women that are involved by fewer accidents. (So much for all those jokes about poor women drivers. The data say otherwise.)
-Insurance organizations pay out less in damages for policies taken out by women.
When women do get into an incident, they tend to be of the fender-bender scrape variety. General, insurance companies have always known that female drivers cost them less in payouts.
Nevertheless, that does not necessarily translate to the cheapest payments from women that are only insured by companies. In fact, many offer true quotes which are higher than the rate you'd be estimated from a more common motor insurance company. The fact remains that despite the popular sentiment that women drivers underwrite their more costly male counterparts by paying higher insurance, many insurance companies offer lower insurance rates to female drivers as a part of working.
That's not to state that you'll not have the best value from an insurer who only protects women's cars. it is with any automobile insurance decision the bottom line may be the same. Check around. Before you decide on the policy that is best for you get insurance price estimates from the number of different organizations. When you are comparing plans that you must always compare like with like remember. Decide on the specific cover before you begin seeking estimates that you need, and make sure that the price you're quoted includes all the cover you need. It's really the only solution to be very sure you are getting the best address for the money. How To Find Costeffective Automobile Insurance coverage In Washington – Das Versicher
