Author: Dave D.br
Source: ezinearticles.combr
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Why is there cheap car insurance for women. Well its down to just 3 major reasons that women are able to obtain better discounts than men when it comes to getting cheaper car insurance for women.

Reason 1. It has been statistically proven that women drivers are much safer drivers. Even though women drivers are actually involved in just as many accidents as men, their claims are usually smaller.

Reason 2. For a women drivers it is usually the small dents and dings from their driving, whereas men do statistically drive at higher speeds and thus have higher impact accidents causing more substantial damage which drives up their insurance costs.

Reason 3. The third reason that allows women to get cheaper insurance, is that a large proportion, actually 90% of all road or traffic offenses are committed by men. So more tickets and fines goes hand in hand with higher car insurance premiums. Also as women tend to drive a lot less than men, their risk of committing an offence or of having an accident will always be dramatically lower.

So it is very true that a women can get cheaper car insurance rates than man. This discount is usually based on the statistics of risk and due to the 3 main reasons above encourage the insurance companies to offer much lower rates to women as the statistics show women drivers are a lower risk. So women are not just being offered lower car insurance rates just because they are women, its all based on the information that insurance companies use to measure the risk. This does not mean that women are any better drivers than men, the statistics just show that in general that women drivers on a whole are much safer risk than men, and so merit cheaper insurance.

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