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Women's car insurance has been showing up all around the net and our TV screens lately. There's an entire new class of providers like Sheila's Wheels and Cover Girl who offer motor insurance for ladies only. They offer lower rates for women motorists because, they state, it is cheaper for them to guarantee women. Women are better people so a lesser risk, they say. They've fewer accidents, fewer driving convictions and when they do have an, the repairs are often cheaper. So, is it actually true, or is it yet another advertising device?

The solution to the issue is both yes and no. Women only insurance providers are marketing to a certain niche - women drivers. Obviously it is a gimmick, but such as the most useful advertising jokes, it's based in fact. Listed here are the reality about women drivers and insurance:

-92% of driving convictions are passed out to men.

Those numbers are changing, though, as women be much more aggressive individuals. According to statistics collected by the car insurance assessment website confused.com, 16.8% of male drivers have convictions on the driving record, when compared with 9.8% of female drivers. That number is up from 4.8% of female drivers only 36 months before.

-Men travel differently than women.

A massive 98% of dangerous driving beliefs were handed out to male drivers a year ago. According to all the research, men tend to be more aggressive and competitive driving than girls, and that naturally results in more incidents. Women tend to drive more slowly - generally within the speed limitations - and to drive shorter distances. All those details add up to fewer accidents that involve women. (Therefore much for anyone jokes about lousy women drivers. The data say otherwise.)

-Insurance companies spend out less in damages for policies taken out by women.

When women do enter into an accident, they tend to be of the fender-bender scrape variety. Overall, insurance firms have always known that female drivers cost them less in winnings.

But, that doesn't necessarily translate to the cheapest payments from companies that just guarantee women. In fact, most of them provide real rates which are higher than the price you'd be quoted from a more simple motor insurance company. The reality is that despite the common belief that females drivers underwrite their more expensive male counterparts by paying higher insurance, most insurance companies offer lower insurance costs to female drivers as a customary part of conducting business.

That is not to say that you will not obtain the best value from an insurer who only protects women's cars. The underside line is the just like it's with every other automobile insurance decision. Shop around. Get insurance rate quotes from a number of different businesses before you choose the plan that is best for you. Remember when you are comparing policies that you should always compare like with like. Choose the precise cover that you want before you start requesting prices, and make certain that the price you are quoted includes most of the cover you need. It is the one solution to be sure you are getting the most useful cover for your money. read