Saturday, October 30, 2010

Getting it Cheap and Dependable

Car Insurance
Till a decade or so ago, getting cheap car insurance for women was a difficult thing. It has been quite a journey getting the once patriarchal society to get rid of its gender biases but we are getting there. Things have changed now - the world has naturally and inevitably become open to women drivers in many places - and although most people still discriminate between drivers on the basis of gender - it is no longer difficult to drive if you are a woman - nor is it difficult to arrange for everything you need to be able to drive yourself - your car, its paperwork and your car insurance.
Car insurance for women is generally available at cheaper rates than for men. This is not based on individual studies of gender but on the large groups of men and women on the whole: are more men or more women involved in accidents every year?
Men drive more than women do - again, this is not a statement about individual men or women - but about statistical data on the whole - at any given time - more men can be found driving than women. This counts up to the next obvious statement - since men drive more, they are involved in more accidents.
Women tend to be safer drivers than men - and women drive less as well - which makes it easy to get relatively cheap car insurance for women.
So most companies will offer better insurance quotes for women than they will for men - in facts there are many companies that will cater to women only.
Of course, being a woman isn't enough to get you cheap insurance - it's never that easy and why should it be? Your driving record is an individual record - and your insurance company will make sure that the insurance coverage you get will be according to your record.
If you are an experienced driver - you will get cheap insurance; if you are an older beginner, your chances aren't that great - just as it is with male drivers. Car insurance for women isn't that different from insurances for men - all insurance coverage operates on the principle of higher the risk - the higher the rate. Therefore since women drivers are statistically less involved in accidents - car insurance for women also have correspondingly lower insurance rates.
It is not difficult to find car insurance for women - all one has to do is ask around. The first place to ask is your auto dealer - where you bought your car from; ask your neighbors and your relatives for their insurance companies, do a little bit of research into insurances quotes available. The idea is to choose your insurance company wisely once you are well informed of the offers that are available out there.
It is always best to pick a car that has a smaller engine; if you are an older driver, leave your children out of your coverage; avoid car modifications and look for security features - the presence of these might help reduce your car insurance rate.

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