Despite the derogatory machismo attitude about the poor driving habits of “women drivers” from so many men, the automobile industry has a very different viewpoint on the situation. Women are seen by them as being much safer drivers than their male counterparts and therefore are generally given much lower rates than almost any age bracket of male drivers.

Statistics from the auto insurance industry show a consistent trend that proves women are overall safer drivers than men. Women usually have fewer accidents and the ones they are involved in are generally less damaging, being more often confined to bumps or “fender benders” rather than major collisions or accidents that totally wreck the vehicle. Women are more likely to confine their driving to necessary trips over mere “cruising” and therefore average lower mileage on their vehicles. All this adds up to less payout on insurance claims with the results being lower rates than what are usually charged to men. All is not hopeless for the male of the species. Most insurance companies are likely to provide men a slightly lower rate if the policy is in the woman’s name and he is merely added as a listed driver of the vehicle.

Another way that anyone, especially women, can find lower auto insurance rates is to do their comparison shopping online. Not only is this method of seeking price quotes and comparisons more convenient from the comfort of home, many broker sites also provide instant price comparisons between a number of companies at a glance. Quite often the insurance bought online will provide an extra bonus for direct dealing, sometimes as much as 10%. This reflects the savings to the company from not having an agent spend all the extra time that would be required in collating all the information personally.

Other methods for women to employ to gain even better auto insurance rates include maintaining a safe driving record with past policies that show “no claim” histories and being able to demonstrate no traffic violations on their driving record. Having a GPS or immobilizer feature on the vehicle as well as parking in a garage or behind a locked fence to deter theft or vandalism also help bring most auto insurance rates down even lower for the ladies.

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