Well, the jokes are really not true! Men actually have the majority of car accidents, and make larger claims. This is true, even if you account for the fact that men drive more miles. Accident Claims per Mile Driven are still lower for female drivers.  How can this be true when men have faster reflexes and more experience time on the road?

Well, it is true. And that is one reason you can find low cost car insurance for women! Insurers keep careful statistics on accident claims by different groups of drivers, and that is one basis for their premium guidelines. Let’s look at some speculation about why women tend to be safer drivers.

Women Drive Safer Cars – As you know, the type of car you drive, and the safety features of the car, can reduce accidents. They can also reduce damage or medical claims when accidents do occur. Women tend to choose safer cars. Insurers also keep records of which types of cars, and which auto safety features, help reduce accident claims. They will discount drivers with those cars and safety features because they calculate a lower risk.

So women can often benefit from multiple auto insurance discounts. They get reduced premiums for being a woman, and for driving a safer car!

Women Are More Prudent Drivers – Men, epsecially younger men, tend to be more agressive and take risks. Women would rather arrive at their destination a few minutes later without risking an accident. Less accident claims will also be likely to reduce premiums paid for car insurance!

Insuring a Young Male Can Be Expensive!

If you need to buy insurance on an under 25 driver, finding low rates can be tough. Get some tips on student driver car insurance. Males, especially young ones, will probably cost more to insure than young females.

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We found some wonderful tips for controlling your auto insurance premiums on the New Jersey State Insurance website. You will not have to live in that state to take advantage of these cost cutting measures. We took some of their tips, plus added a few of our own.

• Collision and Comprehensive Car Insurance deductibles – consider raising the amount you will have to pay out of pocket per claim. You can lower your premiums, but keep in mind that you will need to pay this amount if you do make a claim.
• Your Vehicle Matters – In general, a sedate family car will cost less to insure than a high performance sports car. So not assume that big and clunky SUVs are always cheaper, because insurers may not consider them safety. Safety is more tied to the design of the car than the weight of the steel that goes into making it.
• Look For Car Insurance Rate Discounts – Make sure you ask potential insurance consumers about any potential auto insurance discounts you may qualify for. A defensive driving class, safety or anti-theft device, or bundling all of your coverage with one insurer can be simple ways to earn a substantial discount. You may not want to spend a day in defensive driving class, but even a 10% discount can equal $100s of dollars worth of car insurance premium savings every year! And it is very easy to find auto and home insurance discounts.

Finally, make sure you shop around. Auto insurers all have their own rate tables, and your good driving record may earn a big discount with one company, but your poor credit report may hurt you with another insurer! You can control the costs of car insurance, and since it is one of the largest bills most people must pay every month, it is worth it to check into buying top coverage at the lowest possible rate!

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