Looking For Cheap Car Insurance For Women

Looking for cheap car insurance for women is actually easier than finding inexpensive car insurance for men or for young drivers. In fact cheap female car insurance is quite easy to find as most major insurers build in a notable discount for female coverage. This is mostly because women on average are more careful drivers and less likely to get into an accident.

Cheaper Car Insurance For Women

If you are looking for women's car insurance there a few things you should keep in mind. Just because the average rates are lower for women don't mean you don't have to do your homework and shop around auto insurance for women varies in price dramatically from carrier to carrier just as it does for men and young adults. Make sure to get plenty on quotes before settling on an insurer.

The first thing you need to remember when getting quotes for women's auto coverage is that your coverage will always be lower if you steer clear of traffic violations and drive an average car as your primary car. Just as it is for men and other demographics women's motor insurance will always be higher if you have a poor record with the DMV and/or drive a luxury or classic car. Plain cars that blend in will be less likely to attract attention and will be much cheaper to insure.

Also make sure to follow best insurance practices and double up your insurance coverage to include other policies. Most carriers will provide discounted coverage if you carry more than one policy with the same company. For instance you can usually get cheaper car insurance for women by both being a woman and by also holding another unrelated policy such as renter's insurance.

Finding Cheap Car Insurance For Women

When you get to the point where you are comparing car insurance quotes make sure to take into consideration the group or corporate discounts that each policy provider offers and take note of the coverage limits and restrictions. The cheapest car insurance is not always the best deal. Usually the best deal is the cheaper car insurance quotes but you have to read the fine print.



Cheap car insurance for women can get really inexpensive if you add up all the right discounts from the right companies, especially if you keep a clean driving record and amass a lot of years behind the wheel. Remember that as you get older you should periodically reassess your auto insurance coverage as you accumulate more years of good driver experience. The more discounts you can get the better and lower your women's car insurance coverage costs will be.

source: infobarrel.com

How to Get Cheap Auto Insurance for Young Drivers

Students, teenagers, and first-time drivers typically pay a premium price for auto insurance because car insurance companies put these drivers under the “high risk” category. Shopping around for the best price usually isn’t enough to get the lowest rates. Young, inexperienced drivers need to prove that they are responsible and won’t be prone to serious accidents and injuries when they’re on the road. While it may take some time to negotiate the best rates with the car insurance provider, it is possible for young drivers to reduce their insurance premiums.



Here are some tips for getting cheap auto insurance for young drivers.

Choose the Right Car

Economy cars and even newer cars are deemed “safer” in the eyes of the insurance company than luxury cars and flashy sports cars. If the student is in the market for a car, do some research to find out what average insurance rates are for that particular make and model. You’ll be surprised how much this amount varies by car manufacturer. A younger driver insuring a Honda Civic will be paying much less than one insuring a BMW Z3. (See also: Drive the Old Car or Buy a New Car?)

Share the Report Card

Some insurance companies extend a “good student” discount to high school and even college students. These drivers need to provide a copy of their report card and make sure the insurance company stays updated on their latest GPA. Above-average and honors students can get some of the best rates available, because the insurance company feels that these drivers are being responsible with their academic life and therefore may be more responsible on the road as well. A “good student” usually needs to maintain at least a B average to qualify for this discount.

Buy Only Necessary Coverage

As long as the student isn’t driving a brand new car, a financed vehicle, or a car purchased with a loan, they don’t have to get comprehensive and collision insurance coverage. Find out what the basic state insurance coverage requirements are and choose a plan that meets the student’s basic needs. For example, electing for only liability insurance when the student only uses the car to drive to and from school may be a wise financial decision.

Inform the Insurance Carrier About All Safety Features

If the car has advanced locking systems, anti-theft devices, or aftermarket safety features that make the vehicle less likely to be stolen or vandalized, make sure the insurance company knows about them. Most insurance providers do offer a safety discount because they feel that the car will be less likely to be broken into or stolen — which, in turn, means a lower likelihood of a claim.

Take a Driver Safety Course

Driver safety courses, or remedial courses, are often court-ordered when a driver is close to losing his or her license or has several traffic tickets. Younger drivers who are trying to build up a good driving history can also take these courses. Just make sure the insurance company has a copy of the certificate or a signed letter stating the driver has successfully completed the course. Plus, training programs improve a driver’s skills overall, so parents can have more confidence that their teens or college students are safer on the road.

Ask About Family Discounts

If the teenager or even college student is still living with his or her parents, you may be able to get their insurance through a family policy. Most insurance companies offer family packages that insure multiple drivers under a single policy. The younger driver’s rate may end up being much lower through this type of insurance plan.

source: wisebread.com