Car Insurance: Girls Guide to Choosing the Right One

Girls if you’re looking for a great deal on car insurance look no further. There are many car insurance companies that specialise exclusively insurance for women only. It’s a well known fact that diamonds are a girl’s best friend, so with insurers such as Diamond and Be Wiser Insurance you will be spoilt for choice.

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Extreme discounts, legal cover, short term policies and flexible payment plans are just some of the benefits women can expect from car insurance companies. According to the AA, from the age of 17, female drivers are on average charged about half of what men pay for their vehicle insurance. To put this in to perspective the Motoring Organisation say that women pay around £1,800 while their male counterparts will pay almost £3,500.

The argument that women are better driver’s isn’t quite resolved, however the reasons there insurance is significantly cheaper are very clear. Women generally make fewer, less expensive claims and even when they do the claims tend to be for minor bumps and scrapes as opposed to expensive write offs.

Statistically women drivers have considerably lower mileage than their male counterparts. This will have knock on effect on the price of your car insurance premium, the lower you annual mileage, the cheaper this becomes.

Women generally tend to drive more cautiously than men, incurring fewer speeding fines and endorsements. They are also less likely to make an expensive claim so car insurance companies have found a niche market targeted specifically for women.

As these car insurers specialise in female car insurance only, they strive to cover the needs of women drivers, offering a range of quality benefits and services, which are tailored at competitive prices.

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Car insurance companies such as Diamond offer comprehensive policies packed full of benefits that are tailored to your needs, including a free courtesy car whilst yours is being repaired by a Diamond approved garage.  Other benefits include legal cover up to £100,000, personal injury cover, free windscreen repair, emergency roadside helpline, flexible payment options and most importantly free handbag and contents cover up to £300- a women’s handbag is very important.

There are a number of other ladies car insurers that are well known, such as Sheila’s Wheels, which offer similar benefits including 75% no claims discount, free courtesy car, 24 hour claim line and handbag cover up to £300. Sheila’s Wheels sets the standard for women’s car insurance, offering competitive prices with more benefits tailored to women than general car insurance. From handbrake to handbag, the benefits are great.

Shopping is usually a fun activity but shopping for car insurance can be a tedious task. Since there is no escaping it you may as well make your life easier, by deciding beforehand what it is you want from an insurance policy will instantly narrow your search down and ensure you get exactly what you want. So start finding quotes to suit you and leave more time for the type of shopping you do enjoy.

Many car insurance companies also offer great deals on home, travel and motorbike insurance cover so you can have all your insurance under one roof. If you are tech-savvy you can get an insurance quote online, or if you wish to actually so speak to an advisor you can get a quote over the phone - with most women’s car insurers offering a quote in less than 2 minutes you will be on the roads and on your way in no time. 

- K.J.N -