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From Cellbe
Women's car insurance has been popping up all over the net and our Television screens lately. There's a complete new class of insurers like Sheila's Wheels and Cover Girl who provide vehicle insurance coverage for ladies only. They promise reduced premiums for females drivers because, they claim, it is less expensive for them to insure women. Girls are greater drivers so a decrease danger, they say. They have fewer accidents, fewer driving convictions and when they do have an accident, the repairs are generally cheaper. So, is it actually correct, or is it just an additional advertising gimmick?
The answer to the question is both yes and no. Girls only insurance coverage businesses are marketing to a particular niche - ladies drivers. Of course it's a gimmick, but like the finest marketing and advertising gimmicks, it is based in truth. Right here are the facts about women drivers and insurance:
-92% of driving convictions are handed out to males.
These figures are altering, although, as girls turn out to be much more aggressive drivers. According to statistics gathered by the automobile insurance coverage comparison website confused.com, 16.8% of male drivers have convictions on their driving record, compared to 9.8% of female drivers. That number is up from four.8% of female drivers just three years ago.
-Guys drive in a different way than females.
A whopping 98% of unsafe driving convictions had been handed out to male drivers last year. According to all the study, males tend to be far more aggressive and competitive behind the wheel than ladies, and that naturally leads to a lot more accidents. Ladies tend to drive a lot more slowly - usually within the speed limits - and to drive shorter distances. All of those details add up to fewer accidents that involve ladies. (So a lot for all those jokes about lousy females drivers. The statistics say otherwise.)
-Insurance coverage companies spend out less in damages for policies taken out by girls.
When women do get into an accident, they tend to be of the fender-bender scrape variety. All round, insurance coverage companies have usually known that female drivers cost them less in payouts.
However, that does not necessarily translate to the lowest premiums from businesses that only insure girls. In reality, a lot of of them supply actual quotes that are greater than the rate you'd be quoted from a a lot more generic motor insurance company. The truth is that in spite of the widespread sentiment that girls drivers underwrite their much more costly male counterparts by paying greater insurance coverage, most insurance coverage companies offer reduced insurance coverage prices to female drivers as a customary part of carrying out company.
That's not to say that you will not get the very best price tag from an insurer who only insures women's cars. The bottom line is the exact same as it is with any other auto insurance decision. Shop around. Get insurance rate quotes from a number of various firms prior to you decide on the policy that's very best for you. Hold in mind when you happen to be comparing policies that you should constantly evaluate like with like. Decide on the particular cover that you want just before you begin requesting quotes, and make confident that the rate you are quoted contains all the cover you need to have. It's truly the only way to be completely particular you happen to be getting the finest cover for your money.
