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Women's vehicle insurance has been appearing all over the web and our TV screens lately. There's a whole new class of insurers like Sheila's Wheels and Cover Girl who offer auto insurance for ladies only. They guarantee lower costs for women drivers because, they claim, it's cheaper for them to insure women. Women are better people therefore a lower risk, they say. They've fewer accidents, fewer driving convictions and when they do have an, the repairs are usually cheaper. Therefore, is it really true, or is it merely another marketing trick?
The clear answer to the question is both yes and no. Women only insurance companies are marketing to a certain niche - women drivers. Obviously it is a trick, but such as the best advertising gadgets, it's based in truth. Listed here are the reality about women drivers and insurance:
-92% of driving beliefs are given out to men.
As women become more aggressive individuals, these figures are changing, although. According to data collected by the vehicle insurance contrast site confused.com, 16.8% of male drivers have beliefs on their driving record, when compared with 9.8% of female drivers. That number is up from 4.8% of female owners just 36 months ago.
-Men travel differently than women.
A massive 98% of dangerous driving convictions were handed out to male individuals a year ago. According to all of the research, men are generally competitive and more aggressive when driving than girls, and that naturally leads to more injuries. Women often drive more slowly - generally within the speed limitations - and to drive shorter distances. All those facts total up to women that are involved by fewer accidents. (So much for all those jokes about poor women drivers. The statistics say otherwise.)
-Insurance businesses pay out less in damages for policies taken out by women.
They are generally of the fender-bender scrape range, when women do get into an incident. Overall, insurance providers have always known that female individuals cost less to them in winnings.
Nevertheless, that doesn't necessarily translate to the cheapest costs from women that are only insured by companies. Actually, many provide actual prices which are higher than the rate you'd be quoted from the more common motor insurance company. The reality is that despite the common belief that women drivers underwrite their more costly male counterparts by paying higher insurance, most insurance companies offer lower insurance rates to female drivers as a part of doing business.
That's not to state that you'll not get the best price from an insurer who just insures women's cars. it is with any automobile insurance decision underneath line could be the same. Shop around. Get insurance price quotes from a quantity of different organizations before you determine the plan that's best for you. When you're comparing procedures that you should compare like with like keep in mind. Determine the specific cover that you want before you begin requesting prices, and make sure that the rate you are quoted includes most of the cover you need. It's the only real solution to be absolutely certain you are getting the best cover for your money. homepage
