Reader’s Question:

Is female auto insurance really cheaper than male auto insurance?

Alexis

Baltimore, MD

All things considered, female auto insurance could really turn out to be cheaper than male auto insurance. Statistically, female drivers register less car accidents or traffic violations than male drivers. Speculations have been made about the reasons behind this, and many people believe that male drivers like more adventure than female drivers do. They say that male drivers tend to like being on the dangerous side (over speeding or racing are good examples of this), while female drivers like it better when it’s safe. Aside from this, male drivers drive more frequently than female drivers do. These are probably the reasons why most auto insurance companies regard male drivers as high risk drivers.

However, there are also instances when being a female driver tend to become disadvantageous. For one, when a female driver reaches a certain point in adulthood, she may be regarded as a more risky driver than a male driver of the same age. This is because some companies consider female drivers as having relatively fewer experiences when it comes to driving. Lack of enough driving experience may lead to higher chances of getting into accidents or committing traffic rule violations.

Reader’s Question:

I’m helping my sister to get cheap female insurance. I heard that being a female driver means she can get cheaper car insurance rates. I also learned that gender is considered as a factor in setting auto insurance rates. Can you tell me more about car insurance for females?

Rica

Miami, FL

Hello Rica!

I bet you heard about an old joke saying that women drivers are lousy drivers. The fact is, whoever created that joke, (and I’m thinking it’s a he) is out of his mind. For one, that person is not reading the statistics regarding female drivers.

The truth is Rica (and what I’m going to tell you is proven by studies) female drivers are the safest drivers on earth. Yes, that correct. And that’s why there cheap female insurance that offer lower rates for women like us.

As compared to male drivers, female drivers are less involved in car accidents. In fact, according to Florida Department of Financial Services, males are involved in twice as many fatal accidents as compared to females.

Moreover, statistics also showed that female drivers are not usually involved in serious traffic accidents, it’s usually just a bender fender. Plus, as per auto insurance claims, in most cases, male drivers file for higher car insurance claims as compared to female drivers.

One of the reasons that is believed to affect why male drivers are often involved in car accidents than female drivers is because they often speed drive. I don’t know but maybe, it’s just natural for men to speed drive. Hey, that’s just my opinion. I hope I’m not hurting anybody’s feeling here.

With these reasons, there’s what you call cheap female insurance. Car insurance companies have acknowledged that female drivers pose lower risk so they entice female drivers with lower car insurance rates. Since you’re looking for female car insurance, you can start looking for one by entering your zip code on this website.

Reader’s Question:

Is it true that car insurance female driver is lower? How does it work?

Marie

Brookline, MA

Marie, this idea is true to a certain extent. Car insurance female driver somehow rests upon the belief that women drivers are perceived to be taking fewer risks and are more careful drivers, therefore, less likely to be in an accident or to commit traffic violations. It is probably only in car insurance where this type of boxed perception is not nearly as offensive. Car insurance providers, however, have numbers on their side. For example, 16-25 year old female drivers are less likely to be involved in an accident or to violate any traffic laws. Another thing is female drivers are more likely to choose compact fuel-efficient cars — another factor that could bring down car insurance premiums. Though there are still more male drivers across the mentioned age range, female drivers are increasing in numbers. Car insurance providers have also noticed an increasing number of female drivers over 25 years old involved in traffic violations and accidents. Thus, as you grow older, the gender safety perception becomes thinner. Female and male drivers would be reviewed equally. At the end of the day, however, your car insurance would still be based upon your driving history, years of driving, accidents and traffic violations you might be involved in, credit history, and your car insurance history, among others.

Reader’s Question:

I’m helping my mom find female auto insurance. What information can you share about this?

Ericka

Kansas City, KS

Call it sexual discrimination or whatever you want to but gender has something to do with car insurance rates. In fact, female drivers have a very good advantage when getting car insurance rates. They get lower car insurance rates as compared to male drivers. And that’s what you call the female auto insurance.

Let’s take this scenario as an example. We have two drivers – Male Driver and Female Driver. Given these two has the same background – same vehicle they drive, same age, same driving history and even same credit score. Who will the lower car insurance rate? That would be Female Driver.

As proven by statistics, female driver poses lower risk as compared to male drivers. Females have lower number of accidents and are usually what you call bender fender. Meanwhile, male drivers are found to have the higher incidence to speed drive and even higher number of getting involved in car accidents. Moreover, whenever they make claim, male drivers have higher auto insurance claims as compared to females.

One of the reasons that attributed to males being higher risk driver is that: they are driving fast; disobeying traffic rules, driving more miles; are not wearing seat belts, are drinking and driving, and are recklessly driving.

Since you’ve mentioned that you’re looking for female auto insurance for your mom, you can start searching by using the websites. You can get several car insurance quotes instantly. All you have to do is to enter your zip code.

Reader’s Question:

I’m a single, 25 year old female living alone here in Tennessee, how much would car insurance cost me if I decide to get a vehicle?

Dian

Nashville, TN

Although we can’t really tell you exactly how much in dollar amounts your car insurance premiums would be (that would still depend on several other factors) we CAN tell you that you would probably get cheaper car insurance rates as compared to a male driver under similar circumstances. There are many factors that works towards a woman’s advantage when it comes to car insurance coverage. Statistically speaking, female drivers have shown better performance in avoiding car accidents as compared to men. Female drivers are more careful in handling a vehicle which could be attributed to a woman’s general nature.

The lower your risk getting involved in car accidents, the lower your premiums as well. Do remember however, that this comparison is based on gender alone. Other factors are considered as well in determining your rates there in Tennessee, namely:

1.Age – Twenty-five is the starting age where car insurance companies would consider you safer driver, which would mean better premiums.

2.The Kind of Vehicle – your car’s make and model, as well as year and manufacturer would also be taken into account to compute your rates. Certain vehicle models and types are statistically safer than others.

3.Driving History – traffic violations and car accidents going as far as three to five years back can also influence your premiums.

4.Where you live – crime rates, accident rates and amount of traffic would also have an impact on your premiums.