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Women's car insurance coverage has been popping up all more than the net and our Television screens lately. There is a whole new class of insurers like Sheila's Wheels and Cover Girl who provide car insurance coverage for ladies only. They promise lower premiums for ladies drivers since, they claim, it's cheaper for them to insure women. Women are better drivers so a reduced danger, they say. They have fewer accidents, fewer driving convictions and when they do have an accident, the repairs are usually less costly. So, is it really true, or is it just another marketing gimmick?

The answer to the question is each yes and no. Females only insurance organizations are marketing and advertising to a certain niche - ladies drivers. Of course it's a gimmick, but like the best advertising and marketing gimmicks, it is based in truth. Right here are the details about ladies drivers and insurance coverage:

-92% of driving convictions are handed out to males.

These figures are modifying, even though, as women become a lot more aggressive drivers. According to statistics gathered by the automobile insurance coverage comparison website confused.com, 16.eight% of male drivers have convictions on their driving record, compared to 9.eight% of female drivers. That quantity is up from 4.eight% of female drivers just three years ago.

-Males drive in a different way than girls.

A whopping 98% of hazardous driving convictions had been handed out to male drivers last year. According to all the research, males have a tendency to be more aggressive and competitive behind the wheel than females, and that naturally leads to far more accidents. Girls tend to drive more slowly - generally inside the speed limits - and to drive shorter distances. All of those details add up to fewer accidents that involve women. (So a lot for all those jokes about lousy girls drivers. The statistics say otherwise.)

-Insurance coverage firms pay out less in damages for policies taken out by women.

When women do get into an accident, they have a tendency to be of the fender-bender scrape range. Overall, insurance firms have usually known that female drivers cost them much less in payouts.

Nevertheless, that does not necessarily translate to the lowest premiums from organizations that only insure ladies. In reality, a lot of of them supply actual quotes that are larger than the rate you'd be quoted from a a lot more generic motor insurance coverage business. The truth is that regardless of the widespread sentiment that girls drivers underwrite their much more expensive male counterparts by paying increased insurance, most insurance organizations offer you decrease insurance coverage prices to female drivers as a customary element of performing enterprise.

That is not to say that you won't get the finest price from an insurer who only insures women's automobiles. The bottom line is the very same as it is with any other auto insurance coverage decision. Shop around. Get insurance rate quotes from a quantity of different firms ahead of you determine on the policy that's very best for you. Preserve in thoughts when you are comparing policies that you should always compare like with like. Determine on the certain cover that you want prior to you commence requesting quotes, and make sure that the rate you're quoted contains all the cover you want. It really is genuinely the only way to be definitely certain you're finding the greatest cover for your income. Women's vehicle insurance coverage has been popping up all more than the net and our Tv screens lately. There is a whole new class of insurers like Sheila's Wheels and Cover Girl who offer vehicle insurance coverage for ladies only. They promise reduce premiums for ladies drivers because, they claim, it's cheaper for them to insure girls. Ladies are far better drivers so a reduce danger, they say. They have fewer accidents, fewer driving convictions and when they do have an accident, the repairs are generally less expensive. So, is it really accurate, or is it just another advertising gimmick?

The answer to the query is each yes and no. Women only insurance coverage organizations are advertising to a particular niche - females drivers. Of program it is a gimmick, but like the best 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 guys.

These figures are modifying, even though, as females grow to be a lot more aggressive drivers. According to statistics gathered by the car insurance coverage comparison internet site confused.com, 16.eight% of male drivers have convictions on their driving record, compared to 9.8% of female drivers. That number is up from 4.8% of female drivers just 3 years ago.

-Males drive differently than women.

A whopping 98% of harmful driving convictions were handed out to male drivers last year. According to all the research, men have a tendency to be much more aggressive and competitive behind the wheel than women, and that naturally leads to a lot more accidents. Females have a tendency to drive far more slowly - normally within the speed limits - and to drive shorter distances. All of those facts add up to fewer accidents that involve women. (So much for all those jokes about lousy females drivers. The statistics say otherwise.)

-Insurance companies spend out less in damages for policies taken out by girls.

When ladies do get into an accident, they have a tendency to be of the fender-bender scrape selection. General, insurance businesses have always identified that female drivers cost them much less in payouts.

Nevertheless, that does not necessarily translate to the lowest premiums from firms that only insure females. In truth, many of them supply actual quotes that are higher than the rate you'd be quoted from a a lot more generic motor insurance coverage company. The truth is that in spite of the widespread sentiment that women drivers underwrite their more high-priced male counterparts by paying higher insurance coverage, most insurance businesses offer lower insurance rates to female drivers as a customary component of carrying out organization.

That is not to say that you will not get the very best cost from an insurer who only insures women's vehicles. The bottom line is the same as it is with any other auto insurance coverage selection. Shop about. Get insurance coverage rate quotes from a number of various organizations just before you determine on the policy that's very best for you. Preserve in thoughts when you are comparing policies that you really should usually evaluate like with like. Decide on the certain cover that you want ahead of you begin requesting quotes, and make sure that the rate you are quoted includes all the cover you require. It is really the only way to be definitely certain you happen to be acquiring the best cover for your cash.