YOU ASK:

How can I get cheap car insurance for women?

WE ANSWER:

Although there aren't insurance companies offering car insurance for women only, you can still find auto insurance brokers specializing in women's car insurance. The good news for women is that they are usually charged less in premiums since statistically they pose lower risk than men.

But that applies only to good drivers. If a woman is a new or a young driver, and has quite a few violations or accidents in her record, statistics won't be enough to help her get cheap car insurance.

What Women Can Do to Get Cheap Premiums

  • Shop around for the best quote - this recommendation goes for all buyers of car insurance, regardless of their sex. Don't let yourself fall in the trap of companies offering the most attractive rates - cheap very often spells "underinsured".
  • Make sure you know all about the different coverages available on the auto insurance market. Apart from the must-have basic liability coverage, you might consider getting collision and comprehensive coverage, if you drive an expensive automobile. The uninsured and underinsured motorists coverage will pay for your physical damage or bodily injury if you are hit by an uninsured or not adequately insured driver. In addition, you can add optional coverages, such as medical payments coverage.
  • In order to choose the best women's car insurance deal, you need to compare only quotes from companies offering similar coverage packages. For example, you might find a deal consisting of liability coverage only phenomenally cheap, but for an extra hundred dollars you might be able to get a full coverage. Remember that every driver's needs are individual!
  • If you want to find cheaper female car insurance, consider getting a higher deductible - the lump sum of money you will have to pay for damages in the event of an accident. Insurance companies usually lower the premiums of people with higher deductibles. So to get cheap women's car insurance, you should select the highest deductible that you can afford.
  • Take advantage of all the discounts that you qualify for, such as for safe driving, senior citizens, excellent students, taking defensive driving courses, etc.
  • Last, but certainly not least, improve your driving record - above all things, it is the factor that affects your premiums the most.
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