The intent of this section is to show you how you can take advantage of a couple of discounts. Depending on your situation, you may want to re-engage with your insurance agent to see if you qualify for them.

If you are looking for cheap car insurance for young female drivers, there are a couple of discounts that may be available.
• Did you take a defensive drivers course? Many insurance companies will reward you with lower premiums if you can prove you have taken one of these courses recently.
• Are you doing well in school? If your GPA is above a certain threshold, you may be eligible.
• Have you taken a driver’s education course (Make sure to not confuse this with defensive driver courses)? If so, you may be eligible for a discount.

If you are looking for cheaper care insurance for women (who are neither teenagers nor more mature drivers), there are several discounts you should look into.

• Do you have a clean driving record? If you haven’t had any speeding tickets or accidents in the past three years, you should consider asking your insurance agent for a discount.
• Can you take a defensive drivers course on the weekend? If so, you may be able to save some money on your insurance premiums.
• Does your vehicle have safety features (i.e. daytime running lights) that your insurance company doesn’t know about? If it does, you should let your insurance company know immediately.

There are even car insurance discounts for more mature women. As an example, if you are over 50 years old, you may be eligible for a discount.

We hope this section has been able to educate you on the possible discounts that you may be eligible for. If you have any additional questions, please let us know.

As proven by the numerous studies conducted by the various insurance companies, the fact is that per capita, women are in fewer accidents than men. Additionally, when women are in car accidents, there tends to be less fatalities and damage done than compared with men drivers. A large percentage of this is believed to be based on the tendency for males, especially young males, to driver aggressively.

As another example of this tendency, whenever you see a young person driving a high performance automobile, odds are that it is a young male driver. Very rarely will you see a young woman driver behind the wheel.

This leads to the fact that women tend to drive smaller, more practical cars. Additionally, women tend to drive significantly less (in terms of mileage) as compared to male drivers. A phenomenal example is when a family chooses to take a long road trip. The majority of the time, the husband will be the one who chooses to do the majority of the driving.

As further evidence of why women deserve to pay lower insurance premiums, the statistics prove that men cause significantly more vehicle related crimes than women. With that said, just because you are a male doesn’t mean that you are going to create a crime, but the statistics do prove men are in the larger share of vehicle related crimes.

If you think about, in general, women do tend to be more safety conscious and risk adverse than men. They are not as likely to perform car stunts or try to show off for their friends by doing something aggressive in the car.

Since the car insurance business is predicated on a risk/benefit ratio, it makes perfect sense to charge lower premiums to women since their accidents are considered “cheaper” and happen less frequently. Therefore the insurance companies are not being sexist or unfair to men, but are actually tending to their business properly.

As you have been shown, it makes perfect sense for women to have cheaper automobile insurance as compared to men. Hopefully, the next time the subject of insurance premiums come up, you will not have to defend yourself. But if you do, your audience will definitely be amazed at how well you articulate the insurance company’s rationale for cheaper car insurance for women.