Although there are long been jokes about female drivers, most women who are behind the wheel are great drivers. Some car insurance companies look at young female drivers as a risk, and as such they charge them considerably more than those older counterparts in premiums. Knowing what to look for to find cheap car insurance for female drivers is very helpful.
A few things to think about when asking for insurance quotes if you are a woman include:
oKeeping your credit in good shape. Insurance companies look at a person's credit history as one factor in setting rates. Both men and women should try and keep their credit standing favorable.
oThe area you live in. If a person lives in certain areas in some cities their insurance costs are higher. The main reason is the higher risk for theft or collision in a congested area. Short of moving, there's little a woman can do to change this factor.
oYour claim's past. If a female driver has made several claims with her previous insurance company, her rates will generally rise. This is even true if the woman was insured on her parent's policy and then was in an accident. The best motivating factor for cheaper rates is a good driving history.
oPaying premiums less frequently. Some car insurance companies offer clients the chance to pay their yearly premiums over time. Although a woman may find it easier to budget this type of expense, the service fees involved can drive the cost of the policy up.
Over time a woman will see her rates drop significantly as she enters her twenties and thirties. Also, some women find that car insurance companies see marriage as a positive and will reduce rates even further. As long as the female drivers always shops around for quotes when her car insurance is coming up for renewal, she'll likely find the best rate possible.