Car Insurance for Women
Women’s car insurance is comparatively cheaper than men. The scenario has changed significantly after December, 2012. Previously women drivers used to get more facilities and cheaper premium rate. This was a great way to attract women drivers to apply for a policy. But it created gender discrimination which made EU for amendments in rules and regulations. A separate premium is no longer applicable for women drivers who are willing to get car insurance. Under this regulation, the premium policy would be same for both men and women. Everyone regardless of gender has to be treated under same rules. But still woman gets better facilities and prices for some other reasons which are understandable.
Why does a woman driver get cheaper rate?
There are some straight forward reasons which favor women for getting a cheap deal. The number of women drivers is less than men drivers. Women love to be on car as a passenger rather than driver. Still the women who own a car and apply for car insurance get better benefits as they apply for lower annual mileage. Annual mileage can play a big role while calculating premium. Having lower mileage, women get lower premium as usual. Men drivers are always in rush and reckless on roads with car. But women drivers usually drive car slower on road. Thus the tendencies of falling to accidents for women are less. As a result, they pose less accident risks for insurance company. All these reasons assure an insurer and let them offer a cheap price.
Additional features for women car insurance:
Most of the insurer provides some additional features for Women’s car insurance. This includes coverage for handbags. Women usually carry a handbag with them whenever they go out of home. So if the handbag is stolen along with car and it contains some useful documents or materials, insurer will cover compensate for it. This is certainly an added advantage which is only available for women.
Women’s car insurance is always available and extra care is taken for them. Insurer company know how a women policyholder can be beneficial for them and thus to attract them they offer rewards and incentives for safe drivers. To get a quote and compare the price deal between different companies, just make a short list with the city’s best insurance company and request quotes from official website. They will get back to you with all the information you need. So take the advantages and drive safe.