Car Insurance For Females – Saving Money!
Car insurance for females is normally cheaper, so if you are a female just getting your license, or a parent of a teenage girl, then you will like this article. I am happy to report that car insurance for females is much lower than that of their counterpart, the male gender.
Now, if you are a male, you may be asking “why?” , “Is this fair?”, “Women are lousy drivers”…and so on. The big insurance companies will beg to differ, car insurance for females has always been cheaper. There has been plenty of research that shows guys are a bit more daring when it comes to getting behind the wheel, and the female population, are a bit more cautious.
What about the women who use their car as a makeup mirror? Even though women are known to put a bit of makeup on while at the stop light, the facts still point to them as the safer drivers and therefore cheaper car insurance for females.
I know, I know, you may say that you know more females who have been in accidents than guys, and that may be so, but overall, the statistics call the shots. Car insurance for females is lower mostly because they normally don’t drive at high speeds which make the accident less expensive for repairs.
According to the National Highway Traffic and Safety Administration (NHTSA);
“The male fatal crash involvement rate per 100,000 population was 3 times as high as for female drivers in 1994. Female drivers continue to exhibit safer driving statistics than male drivers. Males accounted for 67 percent of total fatalities, 68 percent of all pedestrian fatalities, and 86 percent of all pedal-cyclist fatalities in 1994. 22 percent of male drivers involved in fatal crashes were intoxicated compared to 11 percent of female drivers. 37 percent of female drivers involved in fatal crashes were unrestrained at the time of the crash compared to 47 percent for male drivers involved in fatal crashes.”
Now with this out in the open, you girls and women can celebrate, along with whoever is paying your premium. Now you guys, you do get a break when you get married, the insurance companies seem to think that once you are married, you become more responsible. Your rate also goes down as you get older, but sadly, not as fast as car insurance for females.
Car insurance for females will also be lower if you are a student with a GPA of 3.0 or better, as well as a clean driving record. Accidents will affect your insurance in most states for 5 years, with each year reducing the points against you.
A simple ticket can change your discounts from a premium discount of 30%, to a surcharge of 40%. These are just rounded numbers, but you get the idea. Even though car insurance for females is cheaper it can go up if your driving record is bad.
If you are shopping for car insurance for females, you will find the process much more enjoyable than taking your son to get insurance quotes. You can ask any insurance agent and find that most parents of a male driver, or the young male driver himself, have little to be excited about their rate, but on the other hand, the parents of the females are pleasantly surprised, especially if there is an older brother who drives.
You will find great competitive rates in car insurance for females, so shop around, you will have plenty of great rates to choose from. And remember, keep that driving record clean.
