How to Get Cheap Womens Car Insurance And Save Money as a Lady
Many women find the prospect of shopping
for car insurance to be daunting, boring, and confusing. If you're
looking for insurance for your car, but are worried about paying
too much, you can benefit from knowing a few things about the
car insurance industry so that you can get cheap womens car insurance that really fits the bill!
What Are Your Best Choices Of Cars To Drive? (From A Car Insurance Perspective...)
Insurers like to cover vehicles that
won't cost them money. Therefore, it's in your best interest
to choose a car that won't break down, isn't prone to getting
stolen, and won't be expensive to repair. That's the first secret
to getting cheap womens car insurance. Fancy cars like the Mitsubishi
Lance and the Jaguar XK are the most expensive cars of all to insure.
Other high-cost vehicles include SUVs, sport and luxury vehicles,
and anything that touts itself as “high-performance” will
all cost you more money from your purse.
In order to find out which cars offer the best safety features and are most favored by the insurance companies, it is a good idea to check with The Department of Motor Vehicles in your state as they will have up to date information about safety checks, new makes and models of cars that have recently been introduced and average womens car insurance rates in your particular state.
Cars that are cheap to insure include the
Ford Taurus, Buick LeSabre, and Ford Thunderbird, as well as many
sedans and small mini vans. The reliable image and record of these
cars means that insurers don't consider them as high a risk as sports cars or other performance vehicle.
Other Considerations for Women Seeking Car Insurance...
Additionally, Women should also make sure that their insurer won't
consider them a risk, too. A bad driving record, poor credit, or
high yearly mileage are all things that an insurer might decide
are problems. Your rate will then go up. If you can, clean up your
driving record by taking a defensive driving course, find an insurer
that doesn't rate its policies by credit rating, and keep your
mileage as low as possible. These things will all contribute towards
an affordable insurance plan.
In reality, your credit rating is playing a bigger and bigger part in most womens ability to get a good value insurance policy and save money as a lady driver, and so it is a good idea to get a copy of your credit record and make sure that all is as it should be.
This is especially important if you are recently divorced as your credit rating may be tied in with that of your ex-husbands, and so if he had a poor credit rating, then even if you were the financially competent one in the relationship, you may still be suffering, even after you have split up!
Fortunately, you can remedy the situation by having a look at your credit record from companies like Experian, and making sure that your affairs are separated properly from your husband, so that your credit rating can improve (we discuss more here about buying car insurance with bad credit).
In addition to these things, you'll actually find that some insurers
are offering specific programs for female drivers. This is
because women are actually statistically less likely to get into an accident than men. Being
in a women's insurance program means that you aren't covering the
risk of male drivers who are more likely to run up claims. This
can get you a lower premium. These insurance companies also try
to offer extras that will appeal to many women, and state that
they try to be particularly understanding in the event of a claim.
Many women appreciate this kind of specialty service and are interested
in using women's car insurance companies.
Be sure, however, to
watch out for programs that will charge a higher rate to women
who aren't sure what they're doing. Just because insurance is confusing
doesn't mean you should go in blind, even if an offer looks good.
Whether you decide to choose a regular car insurance policy or
one specifically geared towards women, you can save the most money
by shopping around. Look at all the premiums and options you have
available and choose the one with the best balance for you. Auto
insurance is one of the most important things you can buy for your
car, but it's important to keep it cheap. By shopping smart and
staying educated, you can find the best insurance for your car regardless of whether you are a man or a woman!