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Want cheap car insurance for women? Here’s how

Statistically, women are better drivers than men and don’t let anyone tell you different. When it comes to car insurance, the fairer sex makes significantly fewer claims than their male counterparts, meaning women reap the rewards of cheaper premiums.

It’s reasonably easy to find cheap car insurance for women, especially as the Internet offers a number of comparison websites to do all the hard work. You can now get loads of quotes at the click of a mouse and compare hundreds of providers in what is a very competitive market.

Women pay on average £150 less on their car insurance premiums than men, but there are ways you can make an even bigger saving. Also, the European Court of Justice has recently ruled that it is unfair for insurers to charge men more than women, and therefore we will all have to pay the same after December 2012 all the more reason to learn these tips on how to obtain cheap car insurance for women, men and whoever else is behind the wheel!

Choose your car wisely

As a general rule of thumb, the smaller the engine you have under your bonnet, the lower your car insurance costs will be. Fast, gas-guzzling jeeps will set you back a lot of money, whereas something a little more understated will help you save some cash and reduce your premiums. Look up what group your car is categorised into and have a think about whether it would be financially prudent to change your wheels. If you are looking for a new car then check the categories and buy a model that’s easy to repair and has parts that are readily available.

Increase your excess

The voluntary excess is the amount of money you are willing to pay if, unfortunately, you need to make a claim. This is usually about £150 but if you opt to increase this, you can enjoy significantly cheaper premiums. Cheap car insurance for women can be even cheaper if you offer to foot a larger chunk of the bill when you claim. If you drive safely and avoid any prangs, this is the easiest way to reduce your premiums in the long run.

Secure your car

A safe car is a cheap car to insure. Clear out your garage and park your car in there at night, add a new immoboliser or alarm system, invest in a tracking device and a wheel lock and after all that, you and your insurer will be a lot happier (your wallet will be too!)

Don’t pimp your ride

Any modifications to your car screams ‘boy racer’ to your insurer, when you should be whispering ‘Sunday driver’ quietly in its ear. Not only will a spoiler and tinted windows make you look like a prize idiot, you’ll also be charged for the privilege, so if you want to save money, avoid any modifications and keep your car as the manufacturer intended it.

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