Statistically women drivers are less likely to be involved in a car accident than male drivers of the same age. While women may believe they are better drivers than men, men usually drive more miles in a year than women which increases their risk of being involved in an auto accident. As a result, auto insurance rates for women are generally less than those of men, even compared to car insurance for young drivers, but women can still improve their chances of getting cheap auto insurance with a few easy tips.
Take a Defensive Driving Course
In a number of states insurance companies are required by law to give discounts to drivers who successfully complete a defensive driving course. The courses usually take about eight hours and can be found for as little as $30. The savings average about 10% per year for up to three years which can save a lot on insurance premiums. Many auto insurance companies offer a discount to drivers who complete the course even where states don’t require the discount.
Develop Safe Driving Habits
A single accident or citation for a moving violation can raise insurance premiums by as much as 10%. Drivers who are distracted by using cell phones, eating or engaging in other activities while driving are more likely to be involved in accidents. Drivers who are fatigued are also more prone to accidents than rested drivers. Women drivers who turn off their cell phones and take frequent breaks while driving are less likely to have an accident or be cited for a violation.
Choosing the Right Car
Cars which are considered family cars are the least expensive vehicles to insure. Of the 10 cheapest cars to insure in 2011, 6 are minivans and 4 are crossovers or SUVs. Driving the right vehicle can help women get cheap car insurance and it is a good idea to compare insurance rates for different vehicles before deciding which car to purchase. Standard safety equipment like side curtain airbags may also reduce the cost of insurance.
Bundling Insurance Policies
Many insurance companies offer different types of insurance including boat, home, life and health. Most companies offer discounts to customers who purchase more than one policy. The more policies a consumer purchases, the higher the discount on each policy. Customer loyalty discounts can help women get cheap car insurance and may save money on other types of policies as well.
Maintaining a Good Credit Score
Everyone knows that people with good credit scores get the most favorable interest rates, but most are unaware that the credit score can impact the amount of an auto insurance premium. A low credit score can make a person look unreliable and, if the insurance rates are financed and paid monthly, can result in higher service charges. Good credit scores can help women get cheap auto insurance in addition to the financial perks.
The rates of different insurance companies vary for the same driver with the same car. Comparison shopping can help women get cheap car insurance. We offer insurance quotes from different companies in minutes to help women find the best prices for auto insurance. Whether you are looking for cheap insurance for young drivers or senior citizen auto insurance we can help you get the best rates.