Car insurance rates show that women are better drivers than men

Interesting article about auto insurance for women

Women are better drivers than men, and this is not just a myth, but a fact proven by recent insurance rates data.

Of course, this doesn't mean they are guaranteed low rates with the first quote they get. It is very important to compare rates from different insurers in order to find the best deals.


It may still be a mans world, but not as far as car insurance is concerned. Auto insurance rates for female drivers are often cheaper than those for men.

But why do female drivers enjoy lower premiums?

Statistics show that female drivers are less likely to be high-risk drivers. Apparently, female drivers are far more likely to obey traffic codes, drive safely and comply with their auto insurance requirements.

Men tend to be more agrresive drivers. It is unlikely that a woman would intentionally start drving dangerously. Overtaking dangerously and jumping a red light, is not something most women do.

Do women drive more safely

When you compare men and women, it is safe to say that women are safer drivers. There are 2 main reasons for that, women are normally more responsible and observant. Women pay more attention to other drivers and road signs than men do. Naturally, being more observant helps women avoid traffic accidents. Statistics have shown men are the cause of accidents more frequently than women by more than 50%.

Being very protective is a characteristic a lot of women have. It is very common for women to use their cars to drive their kids to school. The last thing they would want to do is drive dangerously and harm their child.

Another thing women are very protective of, is their jobs. For many women it is hard to land the higher paid positions. Taking time off as a result of an accident may well jeopardise their position. So, being a careful driver is essential for every mother and working women.

More and more dads are staying home and more women are pursuing a career, so things may change in the future. At least for now, women have the right to demand cheaper car insurance rates.

Here are more articles on the subject:
cheap car insurance for women
women pay less for car insurance

Young Drivers Auto Insurance

Hunting for young drivers car insurance? Before comparing insurance quotes it is a good idea to learn as much as you can.

Knowing what factors determine young drivers car insurance rates will save you a lot of time and effort. This is the key to finding cheap insurance.

You may be shocked to hear that when it comes to car insurance a huge number of people pay substantially more than they really have to. By far the most common mistake is not comparing several quotes.

As we all know young drivers car insurance can be particularly costly. In order to find the best combination of good coverage and low cost insurance rates, you must go the extra mile.

A real problem for all young drivers is the fact that they don't have any driving history. Unfortunately, there is no quick-fix solution to this problem. Most insurance companies lump all inexperienced drivers together as a high risk. It is a fact that because of their inexperience drivers under the age of twenty five are about 3 times more likely to cause an accident than a driver aged 60 or over.

It is not surprising that a lot of careful young drivers feel 'punished' by the insurers. Paying up to $5000 per year, for belonging to this 'risky' insurance group does seem unfair. There are, of course, things that can be done to aid the situation. You can lower your insurance rates if you maintain good grades at school, drive an "insurance friendly" vehicle and reduce your yearly mileage. You will be glad to hear that a number of insurers do offer up to 25% discount for students with an average grade of B.

Every young driver needs to focus on establishing an excellent driving record. Its important to know that a single traffic violation may significantly set you back on your quest for better insurance rates. Even a small accident is an excuse for most insurers to double your premiums.

Paying close attention to the driving habits and behaviour of young drivers on the road is a great idea for parents. Encouraging careful driving practices will help your son or daughter to establish a sound driving record and avoid accidents in the future.

Some states have regulations and safety laws which apply only to young drivers, so make sure you check first. There are passengers restrictions in the states of Georgia and New Jersey, Florida and California have night driving restrictions for young drivers.


Most states will also require the completion of a certain number of hours in an education course before any young driver can apply for drivers license.

See also: Auto Insurance For Women Is Cheaper