If you live in the United States, it is a mandatory requirement for you to have car insurance. But even though the economy is tight and it costs more to drive today, if you are a woman, it may cost you less. The reason for this is that insurance companies are generally a little easier on women when it comes to giving quotes, so you may already be saving on car insurance just for being a woman. Here we will discuss why this is the case, and how women can make the most of this common discount and save on their car insurance as a result.

There is actually a long list of rationality when it comes to women being better customers for insurance companies. They drive safer and more reliable vehicles that are less expensive to replace or repair, they are more cautious on the road and have better driving records, and from a demographic perspective, women live in lower crime rate areas overall. All of these factors are going to contribute to lower car insurance costs, whether you are a man or a woman. But the fact is, if you are a woman, you will likely already be able to take advantage of these discounts, and in some cases, a discount just for being a woman.

When it comes to car insurance, insurance companies will charge you according to what your perceived risk is. So if you drive an expensive vehicle, or have a spotty driving record, or worse, BOTH of those things, your level of perceived risk to the insurance companies goes up, and so too will your payments. Research has shown time and time again that for women, these risks are low, and this is why many insurance companies will automatically give lower car insurance rates to women.

If you are a woman, and would like to take advantage of special discounts like this, your best bet is to shop around for an insurance company that specializes in car insurance for women. Today the insurance business is getting very competitive, and with women being known to make fewer claims than men, many “just for women” insurance companies are eager to take on the safer and more reliable drivers in the demographic pool. You can increase your amount of discounts by proving to the insurance companies that you are worth the discount, keep your driving record clean and drive a safe car with a small engine that is not expensive to repair or replace. Women are generally more safety conscious than men as well, and safety features are yet another way to decrease your insurance quotes.

In addition, men can also save on car insurance quotes for women by being added as a secondary driver on a woman’s policy. This is an insurance trick that not many people are aware of, but it does cover both drivers in the house, for the vehicle in question, and knocks down premiums quite a bit. There is nothing illegal about that so long as the male driver only drives the vehicle that is covered. When it comes to the insurance game, knowing as much as possible in advance is going to go a long way towards getting you cheaper car insurance quotes. Believe it or not, whether you are a man or a woman, it might just be possible to get discounts on car insurance quotes that are normally reserved just for women.

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