It is a well known fact that insurance companies consider ladies to be better drivers than men and that is the biggest reason that ladies' car insurance is cheaper than men's car insurance. The primary reason behind this is that men are considered impulsive drivers and are more likely to take risks, which means they are more of a risk to the insurance company and hence are required to pay higher premiums. Ladies, on the other hand, are more likely to be cautious. In fact, although some men would say that ladies are always slow when driving, they are still nevertheless more cautious and more likely to stay away from accidents than most men. Ladies car insurance prices reflect this fact.
Of course, this is a general rule (and not always the case), but it is safe to say that ladies are the more careful drivers out of the two sexes. This is great news for anybody looking for the best ladies car insurance because now there are companies that actually give policies out to female drivers only. Ladies car insurance can be considerably cheaper than other auto policies.
Do Your Research
Bearing this in mind, it is worth doing a bit of research to see which companies offer ladies car insurance. Even when you find a company that specializes in ladies car insurance, it is still recommended that you always check the fine print and see exactly what coverage you are receiving for your money. Did you want a fully comprehensive policy? Or a third party policy? Or even third party policy that includes fire and theft? You must ultimately make this decision.
Giving More Information is Often to Your Benefit
When applying for ladies car insurance, it is always worth giving the company all of your facts. For instance, if you put your car in a private driveway or garage at night, then you should inform the insurance company as this can make a difference in the amount of your monthly premium (generally, it will be a favorable adjustment). If your car has a security alarm or disabling alarm, then this also is worth mentioning, as it can greatly reduce the overall amount you spend on your premiums.
With Ladies Car Insurance, Coverage is the Bottom Line
The most important part of acquiring ladies car insurance has to be what the policy covers. Don't think that just because a particular company may offer very inexpensive auto insurance that the policy will be adequate enough for you. You may find that it will not cover you for certain things, which you may find out once it is too late (i.e. you've already signed a contract). There may be additional amounts you'll need to pay on damages to your car, and you may find you end up paying a high deductible (e.g. you have to pay the first $500 toward the damages before the policy will pay the rest). Or, you may find that the policy will not cover something such as window replacements. These are all good points to remember when you are searching for ladies car insurance.