Wednesday, April 1, 2009

Car Insurance For Women Drivers

If you're a female in the market for car insurance, you've got more options open to you than you might think! An auto insurance policy can of course be obtained through any major insurance company, but there are lots of specialty companies that deal in car insurance for women only. You may not know very much about these sites or how women's needs in auto insurance differ, so read on.

Careful research by the car insurance industry has revealed that female drivers are a more low-risk group than male drivers. Women are more watchful, more likely to wear their seatbelts, less likely to speed or tailgate, and less likely to drive aggressively. The stereotype of the "terrible woman driver" is simply untrue!

Wives are more likely than husbands to stay home full-time, meaning that on average they spend more time in the car shuttling kids to school and activities. Yet they do not get in more accidents than men. Why is that? Women are simply a lower-risk group for bad or dangerous driving.

Of course men and women are equally able to get insurance through major insurers like AAA, GEICO, Nationwide, and All State. But there are now all kinds of women-only insurance companies that sell car insurance for women only.

If you visit the website of a women-only car insurance provider like Girl Motor, the first think you will notice is a different look to the website. They are more likely to use pastel colors and pinks, cursive script, circular images, and pictures of women in their advertising. This is generally thought to be more appealing to women and more attractive to them while shopping for insurance. An insurance company that understands women is appealing to many females. Women-only insurance sites also offer incentives for buying a policy that are targeted to women audiences, like a free handbag.

In all, the differences between major insurance companies and car insurance for women only companies are fairly negligible. They both offer comparable coverage and discounts. It's largely a matter of personal preference which type of company you choose to do business with.

As always when shopping for auto insurance, you should shop around. And if you are a woman, don't neglect these car insurance for women sites so you can get a quote from them as well. You never know who can give you the lowest rate.

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