Historically, the insurance industry has used certain data from customer’s gender and age to decide the premiums to charge. In some cases, using this data places a burden on certain drivers to pay more for insurance than others. It was always believed that women had to pay more for insurance because men are better drivers. However, this perception may not necessarily be the cause of more expensive car insurance for women.

This misconception is largely a fabled part of the past since insurance providers are now more competitive and more informed to the fact that women are equally, and in some case more responsible than men when it comes to driving.

The trite saying that men perform better behind the wheel than women was the basis behind the belief that car insurance for women is more costly. Actually a recent Carnegie-Mellon investigation revealed quite a different result concerning the controversy of men vs. women drivers. A result of the data was that a man has a 50% greater chance than a woman to be involved in a fatal accident.

A deeper look at the figures from another study revealed that while nearly 70% of women have never had a traffic violation, the figure for men was slightly less than 65%. An additional result of the study was the amount of multiple violations. The question revealed that men have received multiple citations 10% more often than women.

There are car insurance companies that have special programs catering specifically to car insurance for women. This eliminates the possibility that a woman will pay a higher rate than a man will simply because of her gender. By setting up special programs, these companies are becoming more viable in providing car insurance for women.

If you believe that car insurance for women is higher, you should consider the fact the insurance companies target young men as the riskiest of drivers. You can simply find out how your rates compare to other drivers by checking out a free web quote offered by may insurance companies. You will find that car insurance for women is in most cases less than the same class for men.

Even though a widespread viewpoint is that men are better drivers, the insurance companies do not tend to follow this flawed logic. Although insurance providers use demographics and gender as a consideration, the mere fact that one is a man or woman is only one factor in determining the amount of that person’s premium.

Learn more about car insurance for women as well as more about car insurance in general.

Background and How to Save on Your Premiums

Read this article completely before judging it as sexist. Especially since my primary objective is to help women.

With that in mind, consider this reality:

Compared to men, women receive cheaper rates from insurance companies. Why?

The Insurance Institute for Highway Safety (IIHS) published statistics tell us precisely why. Because men have more accidents than women, receive more moving violations, outnumber women in car casualties, don’t buckle up their seat belts as often and finally, are inclined to drive at higher speeds…resulting in more accidents and injuries.

Needless to say, it is obvious to insurance companies that insuring women is less risky!

This may be changing, however. The IIHS reports it that woman are beginning to drive more aggressively. Recent statistics show that 14% more women died in car accidents while, for the same time frame, male deaths decreased by 11%. If this continues, advantageous rates that women are now enjoying will become history.

Women Should Check Out These 6 Tips Before Buying Auto Insurance

Don’t settle for the basic minimum that your state mandates. Know what it is – but I strongly recommend that you don’t go below $100,000 bodily injury liability, $300,000 total bodily injury and $100,000 property damage liability.
Consider increasing your deductible to reduce your premiums.
Inquire about available discounts…if you have a clean driving record, if you’re a non-smoker, a senior citizen or even a first-rate student.
Check out the insurance company’s process for estimating damages and having repairs made. i.e. Do they have a claim center or are you responsible for getting estimates from authorized repair shops? How many estimates are required?
Compare prices online with a free comparison shopping service.
Read your policy before buying.While it might mean you have to do a little digging, getting up to speed on a few basics of auto insurance will greatly assist you in making shrewd and intelligent choices.

Equal treatment?

Many women drivers have expressed concern about unfair treatment when claiming insurance benefits.

If you believe your insurance company is not treating you fairly, by all means, file a complaint with the state insurance regulator.

Hope you found these tips on women’s cheap car insurance beneficial.

Joe Goodman is the creator of Car Insurance Performance, an info-rich website that discusses how to find auto insurance that is right for you & your car…at the fairest possible price.

For more detailed info on auto insurance in Southern California, visit us on the web Womens Cheap Car Insurance.