Posts Tagged ‘Womens’

Is Womens Car Insurance Just A Marketing Gimmick?

Women’s car insurance has been popping up all over the net and our TV screens lately. There’s a whole new class of insurers like Sheila’s Wheels and Cover Girl who offer car insurance for ladies only. They promise lower premiums for women drivers because, they claim, it’s cheaper for them to insure women. Women are better drivers so a lower risk, they say. They have fewer accidents, fewer driving convictions and when they do have an accident, the repairs are usually cheaper. So, is it really true, or is it just another marketing gimmick?
The answer to the question is both yes and no. Women only insurance companies are marketing to a specific niche – women drivers. Of course it’s a gimmick, but like the best marketing gimmicks, it is based in truth. Here are the facts about women drivers and insurance:
-92% of driving convictions are handed out to men.
Those figures are changing, though, as women become more aggressive drivers. According to statistics gathered by the car insurance comparison site confused.com, 16.8% of male drivers have convictions on their driving record, compared to 9.8% of female drivers. That number is up from 4.8% of female drivers just three years ago.
-Men drive differently than women.
A whopping 98% of dangerous driving convictions were handed out to male drivers last year. According to all the research, men tend to be more aggressive and competitive behind the wheel than women, and that naturally leads to more accidents. Women tend to drive more slowly – generally within the speed limits – and to drive shorter distances. All of those facts add up to fewer accidents that involve women. (So much for all those jokes about lousy women drivers. The statistics say otherwise.)
-Insurance companies pay out less in damages for policies taken out by women.
When women do get into an accident, they tend to be of the fender-bender scrape variety. Overall, insurance companies have always known that female drivers cost them less in payouts.
However, that doesn’t necessarily translate to the lowest premiums from companies that only insure women. In fact, many of them offer actual quotes that are higher than the rate you’d be quoted from a more generic motor insurance company. The truth is that despite the widespread sentiment that women drivers underwrite their more expensive male counterparts by paying higher insurance, most insurance companies offer lower insurance rates to female drivers as a customary part of doing business.
That’s not to say that you won’t get the best price from an insurer who only insures women’s cars. The bottom line is the same as it is with any other auto insurance decision. Shop around. Get insurance rate quotes from a number of different companies before you decide on the policy that’s best for you. Keep in mind when you’re comparing policies that you should always compare like with like. Decide on the specific cover that you want before you start requesting quotes, and make sure that the rate you’re quoted includes all the cover you need. It’s really the only way to be absolutely certain you’re getting the best cover for your money.

Women Car Insurance – Do You Want to Know More About Women’s Insurance?

A lot of you may have felt really furious at some of the corny, prejudiced jokes that make fun of women drivers. Believe it or not, there are so many of these jokes that could go on to really get on your nerves and temper.

But it would be good to ask around whether you get extra benefits if you are a woman who is looking for any kind of car insurance options.

During these recent years, lots of companies focus on the growing, untapped segment of women drivers. In fact, if you pay close attention to some of the catchy ads that are turning heads these days, you would be pleasantly surprised that many of these aim at tapping possibilities in cheap women’s car insurance. It wouldn’t be wrong to say that cheap women’s car insurance emerged mainly to usher in the new era of respecting and addressing the special requirements associated with women drivers. Some of the popular ads do focus on conveying the message that women drivers are offered better options in terms of cheap women’s insurance.

Perhaps one reason why insurance companies are doing is because they are aware of the fact that women drivers are more careful drivers than men. Statistics prove that women drivers are more careful in conforming with driving regulations and not prone to road rages either. So jokes apart, the actual joke is now on men because women drivers get much better options, thanks to cheap woman’s insurance.

At the cost of sounding gender biased, it cannot be denied that today’s contemporary woman celebrates her gender and this attitude has fueled the competition between companies to offer cheap women’s insurance rates. No doubt, it would be wrong to state that all women drivers are better drivers than all men drivers. But with numbers on the side of the women, the jokes about them should ideally come to an end.

Apart from American car insurance companies that are cashing in on women drivers as the ideal segment to target, the UK has also shown signs of providing cheaper women’s insurance rates so perhaps the trend is finally going global. For more information, it is best to search on the Internet.

Cheap Womens Car Insurance

Trying to find a cheap womens car insurance can be very challenging. It was very difficult for me at one point to get cheap womens car insurance. I searched all over the place to find the best automobile insurance rates. I even went as far as to pick up the heavy yellow pages book to search for better insurance rates.Each time I had called to give them my information I was left ruined because of the high rates they ended up giving me. There was no reason for them to give me high car insurance rates. This was when I decided to opt for options that I haven’t tried before. One option I decided to try was to go through a local agent in my area.  I was able to find quotes quickly despite the fact that my agent was pretty busy in the beginning.  But the quotes I received was still high.  I finally decided that maybe going through a local agent might not be the greatest idea. All I ever wanted was a cheap womens car insurance rate.  I got sick and tired of the frustrations and decided to get down to business on my own by going online. I found that going through each and every single individual website was time-consuming.  Even though I had to do a lot of typing, I was able to get the rates that I wanted.  This is when I found some car insurance website that gave me quotes from as many as five top auto insurance companies within moments. This proved to be a valuable time saver for me.  I used these types of websites whenever my auto insurance premium was about to expire so I can save a lot of time and money.

Womens Car Insurance: Buying Guide

Womens Car Insurance What To Look For

The importance of car insurance has long been stressed to virtually every female, but its not always easy to know what to look for when searching for womens car insurance policies.  Womens car insurance is not nearly as difficult to find as most people believe, but it is important to understand several key points.

An acceptable womens car insurance policy must have appropriate coverage levels and yet be priced fairly as well.  There is a significant difference in the premium of an auto insurance policy with a $500 deductible versus one with a $1000 deductible.  Therefore, many women find it appropriate to select a policy with a higher deductible if they are able to afford it in the event of an emergency.

Selecting low coverage levels in the areas of property damage and liability is seldom a good idea.  The difference in the premium is often negligible and one catastrophe could eat up any potential savings.  Womens car insurance should be an adequate mixture of coverage and cost.

Although the lowest premium is often desired, it is still important to look for a company that has excellent customer service ratings and good claim experiences.  Nobody wants to file a claim, but they want to be treated fairly and with respect if they are involved in some type of loss situation.   It is never a bad idea to review ratings and check with the better business bureau before dealing with any company.

Every consumer has heard how important it is to compare multiple quotes, but this is often perceived to be a very time consuming process.   The exciting news is that this does not have to be the case and quotes can be obtained by simply filling out a short online form.  There are many companies out there that have excellent product offerings and its amazingly simple to find good womens car insurance.

Womens Car Insurance Cheap

If  you are like me, you probably want to get the best womens car insurance cheap rates deal possible on your auto insurance. You probably aren’t getting a lowest womens car insurance cheap rates on your car insurance because of a few minor fender benders in the past.The bills have gotten a hold of you and you are not desperately looking for ways to save some subtantial amount of money any where  you can. And one of the first places you can start to save money at is with your auto insurance company. You thought it was going to be easy at first but you thought wrong.Mistakes that had  happened in the past is now preventing you from getting the best womens car insurance cheap rates deals possible on auto insurance. You have realized that you have wasted a lot of time because you have no results to show for your efforts looking for auto insurance.What happend in the past that caused you from getting the best womens car insurance cheap rates deal is not really your fault.Things happen in life that you have no control over, but  unfortunately the insurance companies are taking advantage of you because of it and they are not giving you the lowest womens car insurance cheap rates. You should not settle  with what the insurance rates that you are getting.It is now time for you to look elsewhere for a better insurance company that will give you the best womens car insurance cheap rates, and trust me,  you are not cheating on your current auto insurance company. As a loyal customer to your insurance company you have to right to get the lowest auto insurance rates possible and getting those  lowest womens car insurance cheap rates begins by shopping online for quotes.You can  only imagine what you can do with all that extra money you will be saving every month by getting the lowest womens car insurance cheap rates. In order to make this a reality for you need to start searching for  the lowest auto insurance rates at the right places. You should not hesitate, take  action now to find the best lowest auto insurance rates on your auto insurnace and start saving money by going to the link below.

What to Know About Womens Car Insurance and Why is it Cheaper?

Every woman at least during one point of time in her life, has experienced fighting to be heard or recognised. Well fortunately, women don’t have to put up a fight when it concerns their car insurance. Womens car insurance is a lot more cheaper than men’s car insurance and here’s why:
Statistics show that men have more accidents than women do. This would result in men making more accident claims with their insurance company than women. When women are involved in accidents, there usually isn’t as much damage to the car as when a man is involved in an accident. This results in a trend reflecting men being more likely to apply for larger claims. There is a higher percentage of women passing their drivers test on the first try than men. Women usually don’t get mixed up in vehicle thefts either. Women drive less distance than men and with short distances there is a less of a chance for a woman to get into an accident. Men are usually the ones up for a long drive which increases their chances of getting into an accident.
Men tend to indulge in racing their car every once in a while when they get a tempting piece of wide open road to race on. Women are cautious drivers and also tend to select more thrifty cheaper cars. So if a woman does end up in an accident it is more affordable for her insurance company to pay for the damages. It is twice as likely for a male driver to be involved in an accident than a female driver. In 2003, approximately 248,000 men were drivers involved in reported car accidents in the UK as opposed to only 102,000 women drivers.
When you inquire about womens car insurance with an insurer it is best to keep in mind your budget and the range of coverage available. There are a variety of policies availabe such as third party only cover; third party, fire and theft cover; or fully comprehensive insurance cover. It is in your best interest to fully understand what each policy entails and what is right for you. If you don’t take the time to understand everything right from the beginning you will end up caught in a tough predicament later, when you realise the damages to your car are not covered by the insurance policy you purchased. The cheapest policy is not necessarily the best insurance policy as it may not provide you the full coverage you need.
Ask if your insurance company provides additional coverage extras such as glass coverage, legal expense coverage or road rage coverage. Glass cover offers coverage on your car if the windows of your vehicle break under certain circumstances. Legal expense coverage is when the insurer will pay for the expenses caused to you if an accident requires you to hire legal help to represent you in a court of law. With road rage coverage, if you are involved in a road rage accident, the insurer will pay for any damages that your vehicle has suffered.
Obtain quotes from a number of insurers to be able to compare and see which one is offering you the best deal. In today’s day and age you have the convenience of shopping around for insurance quotes within the comfort of your own home by just calling up insurers on the phone or by getting a free quote online. Once you have narrowed down and selected one or two insurers you are interested in, you can then make an appointment to visit them and get detailed information about their womens car insurance policy.