Index.php
From Polychromatic
Women's vehicle insurance has been popping up all more than the net and our Television screens lately. There's a whole new class of insurers like Sheila's Wheels and Cover Girl who provide car insurance coverage for ladies only. They promise reduce premiums for ladies drivers simply because, they claim, it's less expensive for them to insure ladies. Ladies 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 more affordable. So, is it truly accurate, or is it just yet another advertising and marketing gimmick?
The answer to the query is both yes and no. Women only insurance firms are marketing and advertising to a specific niche - girls drivers. Of course it really is a gimmick, but like the very best marketing and advertising gimmicks, it is based in truth. Here are the details about ladies drivers and insurance coverage:
-92% of driving convictions are handed out to males.
Those figures are modifying, even though, as girls grow to be much more aggressive drivers. According to statistics gathered by the car insurance 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 3 years ago.
-Males drive differently than ladies.
A whopping 98% of dangerous driving convictions had been handed out to male drivers final year. According to all the investigation, men tend to be a lot more aggressive and competitive behind the wheel than women, and that naturally leads to far more accidents. Women tend to drive much more gradually - usually within the speed limits - and to drive shorter distances. All of these details add up to fewer accidents that involve girls. (So much for all these jokes about lousy ladies drivers. The statistics say otherwise.)
-Insurance organizations spend out less in damages for policies taken out by women.
When girls do get into an accident, they tend to be of the fender-bender scrape variety. Overall, insurance organizations have usually identified that female drivers expense them much less in payouts.
Even so, that does not necessarily translate to the lowest premiums from businesses that only insure girls. In truth, numerous of them offer you actual quotes that are higher than the rate you'd be quoted from a more generic motor insurance coverage business. The truth is that in spite of the widespread sentiment that women drivers underwrite their far more pricey male counterparts by paying greater insurance, most insurance coverage companies offer reduced insurance coverage rates to female drivers as a customary element of carrying out organization.
That's not to say that you will not get the greatest cost from an insurer who only insures women's automobiles. The bottom line is the identical as it is with any other auto insurance coverage choice. Shop around. Get insurance rate quotes from a number of diverse businesses prior to you determine on the policy that's greatest for you. Maintain in thoughts when you are comparing policies that you really should always compare like with like. Make a decision on the particular cover that you want prior to you commence requesting quotes, and make positive that the rate you're quoted includes all the cover you require. It really is truly the only way to be definitely certain you are obtaining the greatest cover for your funds.
