Reader’s Question:

I heard so much about female car insurance. According to my friends, females often get discount on their car insurance rates because of their gender. Is there any truth about this?

Lily

St. Louis, MO

Well, as a female myself I always believe that there is truth on female car insurance. Let me just give you these facts that I’ve read:

• 92% of driving convictions are committed by male drivers
• 98% of serious driving convictions were committed by male drivers

Given these statistics, one would assume that female drivers are careful drivers as compared to males. And that is what the car insurance companies also believed.

In addition, it’s been said that female drivers drive differently from male drivers. Studies showed that men drivers tend to be more competitive and aggressive whenever they are on the wheels. As opposed to women drivers, they drive slower and only drive for a short distance. Also, when women are involved in traffic accidents, it is usually a bender fender.

In general, car insurance companies often pay less whenever they insure female drivers as compared to insuring male drivers. So with this, there is indeed truth about female car insurance. But bear in mind, that there are several factors that also affect in getting lower insurance rates and that does not entirely dependent on gender alone.

If you are looking for car insurance for females, you can start your search now by using the websites. You can actually start getting car insurance rates by just entering your zip code.