Car Insurance For Women

Can you find reduced car insurance premiums for female drivers?

Did you hear some jokes about females driving? Well, despite the silly jokes, female drivers really are careful drivers according to big insurers. Those insurers keep careful records on auto insurance claims and accidents and they use these statistics to set their rates. And the ladies tend to make lower amounts of claims. You may think that this is only true because women do not drive as much, but you would be wrong! That works out to be true, even if you account for men drivers driving more miles!

Are Females Better Drivers?

Males may drive more than female drivers. They should be faster, have better reflexes, and be more experienced. So why do women make fewer accident claims? Why can you find low cost car insurance for women?

Women may be more cautious. Men may be more agressive Women may also tend to look for safer cars. Men may choose sportier cars, but not always purchase according to which car has the newest safety features. If the safety features of a car have been proven to help lower accident rates, an auto insurance comapny will be sure and offer a discount to encourage their customers to add those features.

What does this mean to you? Be sure you take advantage of auto insurance discounts for woman drivers. This is really important if a female driver is under 25, because price differences between younger women and younger men are huge! If you are looking for under 25 car insurance, be sure to specify if you are looking for a male or female driver.

Car insurance companies use unique calculations in order to set rates. But they use unique scales of importance. Make sure you find thecar insurance company who offers low cost womens car insurance as one essential part of the way they calculate cost.

You should compare car insurance quotes the easy way. Use fast, safe, and free insurer quote forms to get back many plans and policies in your local area. This should save you time and money.

Car Insurance For Teens

Adding your teenager to your car insurance policy can be costly. But teen car insurance is essential to protect your teen—and your car—in case of an accident.

At InsureMe, we’re all about family. In fact, since 1993 we’ve been providing families just like yours competing teen car insurance quotes from local providers. And we’d like to help you find affordable teen coverage, too. Just fill out our quote box at the top of this page, and we’ll get you up to five quotes right away.

Saving Money on Teen Car Insurance

Many car insurance companies consider drivers under the age of 25 a higher-than-average risk for vehicle-related accidents. This high risk of teen accident and death can skyrocket your insurance rates 50 to 100 percent, says Jeanne Salvatore of the Insurance Information Institute (III), and often translates into high teen auto insurance premiums.

But wait—don’t take away your teenager’s car keys just yet. You can save money and afford that teen car insurance you need…if your teen expends some effort and follows these guidelines:

Keep a Clean Driving Record — Just one DWI conviction can raise teen car insurance premiums from a base premium of a few hundred dollars to thousands of dollars annually for at least three years.

Earn Brownie Points — Many companies offer teen car insurance discounts to teens that attend high school or college full-time and maintain at least a 3.0 grade point average. Insurance agents also offer discounts to those taking a locally accredited driver safety course or other state-certified programs. (Ask your agent about these discounts, or get online information from the National Safety Council.)

Involve Yourself in Your Community — Young people who join certain civic or community organizations such as Eagle Scouts or Girl Scouts may receive discounts from their teen car insurance providers, says David Champion of Consumer Reports. These companies are trying to find the least risky teens, so they often reward time spent bettering your community with discounts, Champion adds.

Choose a Safer Car — Teen car insurance may cost up to 50 percent less if your teen drives a safer car such as a Honda Civic or a Volvo, according to Champion. Newer model cars with airbags are the least expensive to insure—and the safest for your teen to drive. Sports cars, expensive cars, high-performance cars and SUVs carry higher risk and higher teen car insurance premiums.

Add Safety Features — Safety features such as anti-lock brakes, traction control, automatic seat belts and side-impact air bags can reduce teen car insurance rates considerably.Driving is a privilege your teenager should respect, so lay down some ground rules before he or she gets ever gets into the driver’s seat! By laying down a few ground rules, you can help your teen approach the wheel with a mature attitude—yielding the valuable driving experience needed to get the lowest rates for teen car insurance.