Young Female Cheap Car Insurance | Driving Made Easy

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If you’re a female driver, you already have a head start for getting cheap car insurance. Car insurance companies take into consideration statistics claiming that, overall, female drivers are:

? More likely to drive a safer car than male drivers.

? Less likely to commit traffic violations and get traffic tickets than male drivers.

? More likely to choose an economical car that gets good gas mileage and doesn’t cost a fortune to repair.

According to statistics, female drivers also file fewer car insurance claims to their car insurance companies than do male drivers; whether this means that female drivers are involved in fewer accidents or that they just don’t report every bump and scratch is up for interpretation.

In any event, statistically speaking, most female drivers are less risky to insure than most male drivers, which means they are more likely to get cheap car insurance than are male drivers.

However, if you’re a young female driver, you still have an obstacle to overcome. It’s a big obstacle, actually – your age. Young drivers, regardless of gender, normally don’t get the cheap car insurance quotes that older drivers get. Car insurance companies take precaution when offering car insurance quotes to young drivers – male and female – because they are inexperienced. Of course, inexperience means a great risk for car accidents.

Don’t let these statistics discourage you. Being a young female driver also means you have time to start taking the necessary steps to build a great driving record. As long as you drive safely, preventing car accidents, and obey the rules of the road, preventing infractions and tickets, you will avoid points on your driving record. Car insurance companies look at a driver’s driving record when deciding how cheap the car insurance quote should be.

Also take a driver education course. Most high schools offer them, but if yours doesn’t you can take one from a private company in your area.

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Car cover soars as fraud and fronting takes effect

16.07.10

The cost of car insurance has soared by almost a third in the past year. The average yearly premium for comprehensive cover is now £599, according to the latest Confused.com/EMB Car Insurance Price Index.

The biggest rise came in the last quarter, with the average cost of comprehensive cover climbing 14.2 per cent between April and June – far higher than rises of 4.3 per cent and 6.3 per cent in the two previous quarters.

Parents aged between 41 and 55 faced the heaviest increases in the cost of comprehensive cover, reflecting a generation of people putting their children on their policies. Women suffered most from this, with those aged 41 to 55 having to pay 14 per cent extra for having named a driver other than their husband.

Why are premiums climbing so quickly? There are a number of issues forcing prices to sky-rocket, according to those within the insurance industry. The first that premiums have been kept artificially low in recent years by fierce competition in the market; motor insurers have effectively bought in masses of new business by slashing their profits to the bone.

Source: Independent