Printing Australia

Most men realize that women will get a preferential rate for their car insurance because they are less likely to be involved in an accident. Women are also keen to drive safe cars and overall will not take as many risks when driving as a man or drive as fast according to statistics.

Accidents rates are generally lower and this is why car insurance providers are able to give preferential rates to women drivers as they do not claim as frequently as men. Even though the risk of an accident is equal in both sexes, the damage caused to a car driven by a man is much greater than that caused by a woman. What this means is that women will only pay around seventy percent of the amount for their premium that a man will pay based on similar circumstances.

Part of this is down to the slower speed that the average woman drives at which means that most accidents do not have such severe damage which translates to smaller payouts by vehicle insurers. Whereas, road accidents where the drivers are male often result in more damage to property and other vehicles as their speed is higher which means the insurance company has to pay out more. Women are even considered to be a better risk even when they have only just passed their driving exam.

Some car insurance companies specialize in auto insurance for female drivers and will only insure women; they will not even insure a woman who wants to put her husband on the same auto insurance plan. Many of these companies believe that the risk the male driver poses, even though he is a policy holder's partner is not worth the additional cost that can be incurred if he has an accident.

Working to a budget like this means the company will not make as much profit so they will have to attract more members than would normally be required. If you are a woman then you really need to get a quote for a lady's car insurance policy preferably one that includes legal cover as well as it will help to claim back any excess from the third party in the event of a non-fault claim. It is always possible to obtain further reductions in the premium by fitting anti-theft devices and parking in a secure garage when not in use.

Always bear in mind that specialist insurers (and women only companies' fall into this category) are not always the cheapest to deal with and sometimes, despite the discounts, they are not necessarily going to be the most competitive auto insurance provider. So, check out these women only insurance companies by all means but shop around and get the best quote you can as you may find it less costly elsewhere.

< Prev		Next >