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Women's auto insurance has been popping up all over the net and our Television screens lately. There is a whole new class of insurers like Sheila's Wheels and Cover Girl who provide auto insurance for ladies only. They promise decrease premiums for ladies drivers because, they claim, it's less costly for them to insure ladies. Girls are better drivers so a lower danger, they say. They have fewer accidents, fewer driving convictions and when they do have an accident, the repairs are normally less costly. So, is it truly true, or is it just one more advertising gimmick?

The answer to the query is each yes and no. Women only insurance coverage firms are marketing and advertising to a particular niche - ladies drivers. Of course it's a gimmick, but like the very best advertising gimmicks, it is based in truth. Right here are the details about women drivers and insurance coverage:

-92% of driving convictions are handed out to males.

These figures are altering, though, as females become more aggressive drivers. According to statistics gathered by the vehicle insurance comparison internet site confused.com, 16.8% of male drivers have convictions on their driving record, compared to 9.8% of female drivers. That quantity is up from four.8% of female drivers just 3 years ago.

-Males drive differently than girls.

A whopping 98% of hazardous driving convictions had been handed out to male drivers last year. According to all the research, men tend to be far more aggressive and competitive behind the wheel than women, and that naturally leads to far more accidents. Girls tend to drive far more gradually - usually inside the speed limits - and to drive shorter distances. All of those details add up to fewer accidents that involve ladies. (So significantly for all those jokes about lousy women drivers. The statistics say otherwise.)

-Insurance coverage organizations spend out much less in damages for policies taken out by females.

When girls do get into an accident, they tend to be of the fender-bender scrape assortment. All round, insurance firms have often identified that female drivers expense them much less in payouts.

Nevertheless, that does not necessarily translate to the lowest premiums from companies that only insure females. In truth, numerous of them supply actual quotes that are greater than the rate you'd be quoted from a much more generic motor insurance organization. The truth is that despite the widespread sentiment that females drivers underwrite their much more pricey male counterparts by paying greater insurance, most insurance businesses provide decrease insurance prices to female drivers as a customary portion of performing company.

That's not to say that you won't get the best price from an insurer who only insures women's cars. The bottom line is the same as it is with any other auto insurance selection. Shop about. Get insurance coverage rate quotes from a number of diverse firms ahead of you choose on the policy that's best for you. Keep in thoughts when you are comparing policies that you ought to often compare like with like. Choose on the certain cover that you want prior to you begin requesting quotes, and make certain that the rate you're quoted includes all the cover you need to have. It's really the only way to be totally specific you are obtaining the very best cover for your money. CarrerasMeaux30 - ????? ????