It is a statistical fact that women are better drivers than men. Before too many men out there object too much to that statement, it has been proved via extensive research that women have fewer accidents than men and make fewer claims. That has not stopped insurers charging women exactly the same as men in the past, but with womens car insurance this is no longer the case.
Womens car insurance is a specialist product. So much so that only a handful of insurers will actually allow a male spouse or child onto the insurance policy as long as it is in the name of the female driver. It arose from the fact that several insurers decided that it was time women stopped subsidising the insurance of men. As such, it is now extremely popular.
Womens car insurance is basically the same as a regular car insurance policy. It has the same basic features as standard and you can still choose the level of cover from comprehensive, third party and third party fire and theft. However, despite having the main features intact it is much cheaper than regular policies.
Take Jacqueline Rogers as an example. Mrs Rogers had a policy with Nationwide. It was a regular car insurance policy but cost her way too much to insure her Vauxhall Corsa when it came to renewal time. She obtained quotes from a variety of providers before taking out her insurance with Sheilas Wheels for 231 pounds less than she would have otherwise paid.
Mrs Rogers is just one lady of the many that have saved money. Women everywhere could save such amounts by switching to womens car insurance. The initial saving is huge but you may also have a further discount on top of that if you choose to get a quote and then take the policy out online.
Do not just look at the price of premiums before taking out a policy though. Some policies that are designed for women tend to have a lot of extras that conventional policies do not have. For example, they may have handbag cover just in case your handbag is stolen from your car. Although the level of this element of cover does vary from provider to provider, it tends to be around 750 pounds.
Most women-only insurers and those offering an individual policy are also concerned with security because women are more at risk of attack than men. They will often offer a free breakdown service and a helpline. Some also offer a windscreen helpline.
All of the above adds up to one thing - womens car insurance is great value and can save women hundreds every year. The features and cover is hard to beat, but then so is the price.