Car insurance for women
It's not big news for car owners that female drivers usually get better rates than men. There is a set of factors for this, one of the most important being the statistical data according to which female drivers file less claims then men and are generally involved in accidents much rarely as compared to their male counterparts. Due to this, there are even companies that offer car insurance only to female drivers, labeling themselves as female-friendly car insurance providers. The question is whether these providers really offer any advantage over typical insurance companies from the female consumer perspective and what can really help a female driver get a good car insurance policy?
Of course, insurance providers that specialize in car insurance for women offer competitive rates to their customers. But this doesn't mean that "ordinary" car insurance providers do not offer female drivers with advantageous rates as well. Having the label of "female-friendly" insurance provider doesn't make it automatically as the most competitive on the market, since there are many insurance companies out there and you can find good deals by simply shopping around. Quite often by doing some comparison shopping you can get even better rates from other companies, since gender is not the only factor that influences car insurance rates.
Still, there are certain advantages to specialized car insurance companies for women and the most important is convenience. Quite often these providers offer specific female-oriented features that are rarely found in typical insurance providers such as handbag cover, shopping item coverage, special female-oriented repair shops, etc. The list of these features will vary from one company to another, so if you're really interested in them you should spend some time to learn the market.
However, it's important to understand that everything has its value and so do these little unique features. You should ask yourself if you really need them and whether they are really worth giving up ordinary car insurance policies that may be cheaper but with the standard selection of coverage options. Also, keep in mind that cheap car insurance doesn't always mean good car insurance, and you'll have to carry the necessary amount of coverage no matter what company you choose to buy insurance from. Your car has to be covered adequately and it's the ratio between the amount of coverage and the price you pay for it that should be really important when looking for car insurance. So if you're really interested in cutting down your household costs, comparison shopping is a must both with ordinary and female-friendly insurers.