Compare Insurance quotes for young female drivers
There might not be any way to get away from higher auto insurance quotes for woman car insurers anymore. Insurers have increased average premium quotes for them over a 12-month period. Younger as well as female drivers are on the lookout for cheaper rates because they have to pay more for their car insurance. Those of you looking for affordable car insurance must be already aware that insurers calculate premiums on the likelihood of drivers making claims. Reason for price increase for women drivers is due to a ruling coming into force on December 21, 2012, making it illegal for insurers to consider driver’s gender for calculating how much to charge.
However, even if the free online quotes have done away with disparity between male and female drivers, the old ways to bring down car insurance costs are still in place. Insurers always have statistics to fall back on to justify their auto insurance quotes. Data analytics have always shown that younger drivers under 25 are involved in accidents more than other drivers are. Moreover, these unfortunate events are of a more serious nature involving expensive claims for effective resolution. Insurers dealing with young woman driver car insurance have no cause to assume any different based purely on driver’s gender.
When auto insurance companies consider both these factors together, frequency and costs of claims, younger drivers end up getting higher quotes. This implies that even car insurance for young female drivers become expensive than the average rate of all drivers. After purchasing their auto insurance policies, these drivers may still enjoy cheap womens car insurance under 25 after some time. Prior to the court ruling to put the same prices for men and women drivers, there was a reason for cheaper quotes for women customers. This was that young men get involved in accidents more than females. Since the European Court of Justice’s Gender Directive outlaws the practice, insurers can no longer distinguish between drivers based on being male or female.
The good news is that truth always triumphs and is rewarded in time. Female drivers can still enjoy cheaper car insurance due to many options that demonstrate their lower risk profiles. Black box insurance policies work with the telematics technology installed to monitor driver’s behavior. It records acceleration rates, cornering and braking, as well as the time of day and types of roads traveled. But there’s even a better way to keep your car insurance costs down. A major factor contributing to premiums is the car you drive. Insurers allocate vehicles to one of 50 car insurance groups for premium calculation purposes. Choosing a car on this scale will attract affordable car insurance for first car with lower premiums.
An increasing number of woman drivers are looking for pay as you go car insurance to save money. Since female drivers usually drive fewer miles, paying only for the number of miles you drive makes sense.
