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− | + | Women's vehicle insurance has been popping up throughout the net and our TV screens lately. There's a whole new class of insurers like Sheila's Wheels and Cover Girl who provide motor insurance for girls only. They assure lower rates for women drivers because, they state, it is cheaper for them to guarantee women. Women are better drivers so less risk, they say. They've fewer mishaps, fewer driving convictions and when they do have an, the repairs usually are cheaper. Therefore, is it really true, or is it merely another marketing device? | |
− | The | + | The solution to the problem is both yes and no. Women only insurance firms are marketing to a particular market - women drivers. Needless to say it is a trick, but like the most readily useful advertising gadgets, it's situated in fact. Listed below are the important points about women drivers and insurance: |
− | + | -92% of driving convictions are passed out to men. | |
− | + | Those figures are changing, though, as women be more aggressive individuals. In accordance with statistics gathered by the car insurance comparison website confused.com, 16.8% of male drivers have convictions on the driving record, compared to 9.8% of female drivers. That number is up from 4.8% of female drivers just 36 months before. | |
− | + | -Men drive differently than women. | |
− | + | A year ago a massive 98% of dangerous driving convictions were passed out to male individuals. According to most of the research, men are usually competitive and more aggressive behind the wheel than girls, and that naturally results in more injuries. Women have a tendency to drive more slowly - generally within the speed limitations - and to drive shorter distances. All of those facts soon add up to fewer accidents that involve women. (So much for all those jokes about lousy women drivers. The statistics say otherwise.) | |
− | + | -Insurance organizations pay out less in damages for policies taken out by women. | |
− | + | They are generally of the fender-bender scrape variety, when women do enter into an accident. General, insurance providers have always known that female individuals cost them less in winnings. | |
− | + | However, that does not necessarily translate to the best rates from women that are only insured by companies. Actually, most of them provide real estimates which can be higher than the rate you had be estimated from a more simple motor insurance carrier. The fact remains that despite the common belief that females drivers underwrite their more expensive male counterparts by paying higher insurance, many insurance companies offer lower insurance costs to female drivers as a customary part of working. | |
− | + | That is not to express that you'll not get the most readily useful value from an insurer who just protects women's cars. it is with every other automobile insurance decision the bottom line is the same. Look around. Before you determine the policy that's best for you get insurance rate estimates from a amount of different businesses. When you're evaluating guidelines that you should always compare like with like bear in mind. Choose the cover that you want before you begin seeking prices, and ensure that the rate you are quoted includes all of the cover you need. It is the only real way to be absolutely certain you're getting the best address for your money. | |
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Revision as of 20:32, 17 April 2013
Women's vehicle insurance has been popping up throughout the net and our TV screens lately. There's a whole new class of insurers like Sheila's Wheels and Cover Girl who provide motor insurance for girls only. They assure lower rates for women drivers because, they state, it is cheaper for them to guarantee women. Women are better drivers so less risk, they say. They've fewer mishaps, fewer driving convictions and when they do have an, the repairs usually are cheaper. Therefore, is it really true, or is it merely another marketing device?
The solution to the problem is both yes and no. Women only insurance firms are marketing to a particular market - women drivers. Needless to say it is a trick, but like the most readily useful advertising gadgets, it's situated in fact. Listed below are the important points about women drivers and insurance:
-92% of driving convictions are passed out to men.
Those figures are changing, though, as women be more aggressive individuals. In accordance with statistics gathered by the car insurance comparison website confused.com, 16.8% of male drivers have convictions on the driving record, compared to 9.8% of female drivers. That number is up from 4.8% of female drivers just 36 months before.
-Men drive differently than women.
A year ago a massive 98% of dangerous driving convictions were passed out to male individuals. According to most of the research, men are usually competitive and more aggressive behind the wheel than girls, and that naturally results in more injuries. Women have a tendency to drive more slowly - generally within the speed limitations - and to drive shorter distances. All of those facts soon add up to fewer accidents that involve women. (So much for all those jokes about lousy women drivers. The statistics say otherwise.)
-Insurance organizations pay out less in damages for policies taken out by women.
They are generally of the fender-bender scrape variety, when women do enter into an accident. General, insurance providers have always known that female individuals cost them less in winnings.
However, that does not necessarily translate to the best rates from women that are only insured by companies. Actually, most of them provide real estimates which can be higher than the rate you had be estimated from a more simple motor insurance carrier. The fact remains that despite the common belief that females drivers underwrite their more expensive male counterparts by paying higher insurance, many insurance companies offer lower insurance costs to female drivers as a customary part of working.
That is not to express that you'll not get the most readily useful value from an insurer who just protects women's cars. it is with every other automobile insurance decision the bottom line is the same. Look around. Before you determine the policy that's best for you get insurance rate estimates from a amount of different businesses. When you're evaluating guidelines that you should always compare like with like bear in mind. Choose the cover that you want before you begin seeking prices, and ensure that the rate you are quoted includes all of the cover you need. It is the only real way to be absolutely certain you're getting the best address for your money.