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Discount Car Insurance For Women

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Discount Car Insurance For Women

It is tough to endure the stereotype that women are worse drivers than men. The worst part about the whole thing is that the stereotype is untrue: while both genders get in roughly the same number of accidents, because on the whole women drive slower than men, their accidents are less injurious to life and limb as well as property, so women are actually less of an insurance risk than men. Coincidentally, women can get cheaper car insurance rates than men, all other factors being equal. Most companies will factor this in when giving you a quote, but just in case, it does not hurt to ask.

There is another discount that favors women when dealing with auto insurance rates: good student discounts. I was surprised to read about this in the first place as I had not made the correlation between good grades and lower chances of getting into car accidents, but apparently car insurance companies have, and so offer people who can prove they are students in good standing at schools with good grades (proved by submitting a recent transcript) discounts on their rates and policies. It also turns out that if you look at the demographic data coming out of the census and schools themselves, more women are attending and graduating college than men now. This means that statistically, being a woman means one is more likely to both attend and graduate with a college degree, which is more likely if you are a good student. Therefore, a woman is more likely than a man to qualify for a good student discount on their car insurance. Keep your grades up, it will save you big bucks when it comes time to renew your policy.

In general, the best way to shop for car insurance is to first check with the previous holder of your policy. Unless you were dissatisfied with their service the first time, it is easiest to renew your policy, and there also may be retention discounts that you qualify for since they want to keep your business. If you were not satisfied with their customer service or their rates, or think you can get a better deal, by all means shop around and see what is out there. Getting multiple quotes is the best way to find out if the rates you are getting are the best that are available.