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Female Driver Motor Insurance
Statistics show that men cause most car accidents. In fact
one statistic shows that the majority of accidents are caused
by young males under the age of 25. Therefore, when it comes
to driving a car and looking for motor insurance it is an
advantage being a woman. For once, it's good news for
all the ladies, as you do not have to pay the price for men's
mistakes and bad driving. You can generally enjoy lower car
insurance premiums and cheaper motor insurance quotations
at renewal.
The theory is that males, especially young men,
tend to drive more aggressively than women. They are more
likely than women to break the law, and males tend to take
more risks. It has been stated by Carolyn Gorman that:
"many young men are more likely
to show daredevil tendencies in their driving because of factors
such as emotional immaturity and misplaced feelings of immortality"!
Things are changing though. According to some research, women
are gradually starting to drive more with men's characteristics,
such as speeding, tailgating, general impatience and more
aggressively. In fact, female deaths in car accidents have
increased by a higher percentage than male deaths, but this
could also be connected to the fact that more women drive
now than in past years. This could be partly due to more women
holding down jobs today.
 However,
currently you can still get lower car insurance quotes just
for being a woman, based on the statistics that women are
more careful drivers than men. This fact comes from collected
claims data over decades. Actually, women make as many claims
as men, but the cost of those claims are cheap with women
compared with men's claims.
 Statistics
show that more men than women die each year in motor vehicle
crashes, men typically drive more miles than women, they take
more risks, they drive without wearing a seat belt, they speed,
and men are more likely to drive whilst drunk. On average,
a woman between the ages of 20 and 65 who drives a car will
have had fewer accidents than a man of the same age, driving
the same car.
The British Insurance Industry earlier this year was successful
in stopping the European Commission's plans to force
insurance companies to charge the same whether the customer
is male or female. This is great news for females as why should
they have to pay more for their motor insurance quotations,
and if young men continue to act the fool or attempt to be
superman at the wheel, then they have to pay the price and
dig deeper into their bank accounts.
This is all good news for the female driver who wants to
enjoy cheaper car insurance premiums. There are many insurance
companies out there who offer cheaper car insurance just because
you are a woman, and often there is further discount available
if you go online.
In fact, there are woman-only insurers that
will only insure a male as a partner or second named driver
and prefer to focus on insuring female policyholders only.
With
the advent of the internet this has enabled many females to
take advantage of great deals on their motor insurance quotations
and, as females love to shop, they can certainly shop online.
A defined search on Google for "ladies only car insurance"
in the uk found in excess of 2,000 websites promoting and
marketing ladies-only motor insurance and related topics.
Motor Insurance for females has become big business
and more and more providers are recognising this market as
a safer and less riskier market to target for motor insurance.
The changing world of motor insurance and old fashioned offices
has been revolutionised by new insurance providers entering
the market with a fresh approach to marketing motor insurance.
The entrance of Direct Insurance providers in the late eighties
initially shook up the industry from its stuffy male dominated
organisations.
The recent decision by leading supermarket chains such as
Tescos, Sainsburys and leading traditional high street retailers,
such as Marks and Spencers, are now offering financial services,
banking and motor insurance to their mainly female customers.
 The
industry has been turned upside down and the female consumer
can only hope to be the winner. As many traditional motor
insurance companies struggle to survive and meet targets,
the new kids on the block are increasing their market share
year on year.
The check out tills at all the leading supermarkets
are filled with loans and insurance policies for pets,
home, travel
and motor insurance.
Everyone wants to save money on their motor
insurance premiums and who better to trust than your high
street supermarket? Or, maybe it would be wiser to shop around
even more and use the internet to obtain a wide choice of
quotations and compare them in the comfort of your own home.
The female car driver has more power at their
finger-tips and in their pc, rather than in their car, so
don't be afraid to use it and search the web at high speed
and shop to find lower costs quotations for your motor insurance.
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