Men have a common conception that women can't drive. Men always say that women can't be good drivers because they don't have good reflexes and they don't use common sense while driving. But the irony of the situation is that women drivers have to pay less insurance premium than men. That's true.
Statistics show that women drivers have less chances of being involved in an accident. Statistics also show that even if women drivers are involved in accidents, the damage done to car or drivers is considerably less than in those cases when only men were involved. Studies have proved that women drivers are more mindful of traffic rules and speed limits while driving. Another interesting fact is that women have high percentage of passing the driving examination in first attempt than men. Historical data proves that insurance companies have a point. And they want more and more women drivers to take their policies, so they reduce the premium amount for them. Men can keep on arguing that they are much better drivers but the fact remains that they still have to pay higher premiums.
Even though women have to pay lower premium amounts, still women should use their bargaining skills to reduce the premium amounts further. There are a few tips which can be used to reduce the insurance cost. Some of them are:
Women should always get quotes from different companies and compare them. They can get these from internet as well as from local agencies. This way they can chose the best one.
Women can also get good driver discount if their driving history is clean. Security systems in the car are also an option to get the premium amount reduced.
Home maker women can also be eligible for low mileage discounts. Sometimes they can get discount on auto insurance if you buy the home insurance from the same agency.
These tips and tricks can be used to further reduce the insurance amounts for women drivers.
The author writes articles on personal finance and insurance including car insurance for women and car insurance for young drivers.
Article Source: http://EzineArticles.com/expert/Vav_Karter/294858
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