Female Car Insurance

The golden rule of insurance, of course, is to assess the risk. The insurer invests a considerable amount of time and energy for calculating the risk of adverse events - and the greater the risk of its happening, the higher the premium charged. This fundamental principle is acting on behalf of women drivers because they are obviously much safer than the rest of society - the women's car insurance, therefore, seems to be cheaper than in many other drivers.
Numerous tests and studies have shown that women drivers drive slower, with more care and generally made shorter trips than men. But that's not all. Only 2% of all judgments issued by courts of driving are dangerous for women - is a whopping 98% against the people. Even taking into account all crimes involving drivers, women represent only 8% of convictions - 92% are against people. This may not be surprising discovery, therefore, that female drivers are involved in less serious accidents than men, and claims against their insurers have a lower value. In total, therefore, women present a broad picture of a much safer driving, less risk and generally good news for insurance companies.
In the past, many claims healthier women drivers in a small impact on the premiums they were charged. Most companies with similar rates for both sexes, with the result that women effectively cross-subsidized poorer driving habits in the men folk, who have traditionally offered more frequent and higher value of the claim.
Before long, however, insurers discovered a valuable marketing target among the female population, which can rightly claim that was fairer to those - namely, women - who drove more likely to be safe and less costly and less claims. In the highly competitive insurance market communication fact that the premiums can be reduced for that target group to encourage a rapid increase in the number of "women only" insurers (although most of them also allows boyfriends, husbands and partners also added "male drivers' rate).
If you are a woman and the women's car insurance, therefore, may pay closer look at these insurers advertising special deals for women drivers. In spite of their gender alone should provide some degree of discounts, the more likely it is standard considerations, which have an impact on the prices of all types of motor insurance to lower prices much more: namely, the insurance category of car you drive (smaller, less performance vehicle will always be cheaper to insurance); your age (start of a collection does not claim discounts, as much as possible), whether you should take the initiative by installing additional protective devices such as alarms or Immobilizers that you can take advantage of a discount offered by many insurers, to those who drive a limited number of miles each year.
Female car insurance can be a good starting point, so if you are a woman driver, although it is still important to carefully weigh on what is offered in relation to the contributions are calculated. Of course, there are no savings to be made only by falling into one of the newest types of marketing techniques.