Is Womens Car Insurance Only A Marketing Gimmick? 597452583577
De BISAWiki
Women's car insurance has been showing up all around the web and our TV screens lately. There's a complete new class of providers patent pending like Sheila's Wheels and Cover Girl who provide car insurance for females only. They guarantee lower costs for women drivers because, they claim, it is cheaper for them to cover women. Women are better people so less chance, they say. They've fewer mishaps, fewer driving convictions and when they do have an, the repairs are usually cheaper. Therefore, is it actually true, or is it yet another advertising trick?
The clear answer to the question is both yes and no. Women only insurance companies are advertising to a certain niche - women drivers. Of course it is a trick, but like the most useful advertising gadgets, it's based in fact. Here are the facts about women drivers and insurance:
-92% of driving convictions are given out to men.
As women be much more aggressive people, these numbers are changing, though. According to data gathered by the vehicle insurance comparison website confused.com, 16.8% of male drivers have convictions on their driving record, when compared with 9.8% of female drivers. That amount is up from 4.8% of female individuals just 3 years before.
-Men drive differently than women.
A whopping 98% of dangerous driving convictions were handed out to male people a year ago. According to all the research, men tend to be competitive and more aggressive when driving than girls, and that naturally results in more accidents. Women have a tendency to drive more slowly - generally within the speed limitations - and to drive shorter distances. All those details add up to women that are involved by fewer accidents. (So much for those jokes about lousy women drivers. The data say otherwise.)
-Insurance companies pay out less in damages for policies taken out by women.
When women do enter a crash, they are generally of the fender-bender scrape variety. General, insurance firms have always known that female drivers cost them less in winnings.
But, that does not fundamentally translate to the cheapest rates from women that are only insured by companies. Actually, many of them offer true rates which can be higher than the rate you had be quoted from the more universal motor insurance company. The truth is that despite the widespread sentiment that females drivers underwrite their more costly male counterparts by paying higher insurance, many insurance companies offer lower insurance costs to female drivers as a part of doing business.
That's not to state that you'll not get the best value from an insurer who just insures women's cars. The bottom line may be the identical to it's with every other car insurance decision. Shop around. Get insurance price quotes from the number of different companies before you choose the plan that's best for you. When you're comparing guidelines that you should always compare like with like bear in mind. Decide on the cover that you want before you begin seeking prices, and ensure that the price you are quoted includes most of the cover you need. It's the only real method to be sure you are getting the most useful address for the money.
