If you are a woman in the market for car insurance for women drivers, you’ve got a lot of different options open to you. Any auto insurance policy can be had through major insurance companies, but there are a lot of smaller specialty insurers that can offer insurance to only women – and you can get cheap car insurance rates for women.
Women can get better insurance rates because research has shown that male drivers pose a much higher insurance risk than do female drivers. Women are more careful, less prone to aggressive driving, will more likely wear seatbelts, etc. The stereotype about women being terrible drivers is really not true.
Wives stay home more than their husbands do, spending more time in a vehicle (shuttling kids around, doing errands, etc) but statistically get in less accidents than men do. Why? Because women are lower risk for accidents.
Both men and women can get insurance through major insurance carriers like AAA, GEICO, etc. However, there are plenty of specialty insurance companies that only deal with female insurance. You can find these companies online if you search around.
If you look at a women-only car insurance provider such as Girl Motor, you will see right away the entire look of the website is different. The colors used cater more to women. These companies will offer special perks for women who sign up for insurance. The perks can be cheaper insurance rates for women drivers than those offered by the major carriers. Some women-only insurance companies will even offer gifts like handbags if women sign up.
For the most part, the differences between major insurance companies and women-only insurance companies is pretty small. Both will offer comparable insurance rates. However, the woman-only insurance companies will tend to me more accessible to women in terms of website layout, etc. And of course, the female-targeted perks like free makeup kits, handbags offer some additional benefits. However, it’s mostly a matter of personal preference on which type of insurance company you want to sign up with.
The rule for insurance shopping is to do plenty of careful research to ensure you find the best insurance rates. The rates can vary from company to company so some shopping can save you money or get some additional perks. You won’t know who actually has the cheapest car insurance for women until you actually do comparison shopping between the different car insurance companies.