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at speeds lower than men. Hence, accidents caused by lady
drivers are not serious. So, even if they might claim as often
as males do yet, in all they claim less amounts, giving insurers
lesser premiums. Since the male drivers drive at higher speeds
so even if they crash on their own, the loss is high. In case,
the accident involves two vehicles in high damage state, it
becomes an insurance company's nightmare.
A lady is regarded to be a better risk
right from the age of 17. There are many premium discounts
available for a young lady driver, like pass plus certificate.
It is a series of extra lessons that a young lady driver learns
following their test. It can gain you a discount of around
30% for the first year.
Some car
insurance companies specialise in auto insurance for women
drivers. Literally, these companies try to insure women drivers
only. They don't even encourage getting a lady insured with
her husband under combined policy. Because they can't give
too much discount, as they have to think about her husband's
high risk factors as well. So, they would prefer woman with
woman. It means providing less risk in total, meaning lower
premiums in total. That really clicks for them.
So, the calculation is simple - the
lower premiums might mean that they don't make much profit.
However, if they can get as many women as possible, then the
volume of business can go high. Look out these companies if
you are a woman. Lady car
insurance quote includes legal cover as well. It helps
you to claim back your excess from the third party in the
event of a non-fault claim. You can further lower your premium
by parking your car overnight in the garage, by getting extra
driving license course, and maintaining a good driving record.
Author
Joseph Kenny is the webmaster of the insurance site http://www.insure121.com/
where you will find information, news and links to the leading
providers of car
insurance in the UK.
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