Is Womens Car Insurance Just A Marketing Gimmick? ###

[gemiranpa1989]

Women's car insurance has been showing up all around the web and our TV screens lately. There is an entire new class of insurers like Sheila's Wheels and Cover Girl who offer car insurance for women only. They guarantee lower rates for women motorists because, they state, it is cheaper for them to insure women. Women are better people therefore a lower risk, they say. They have fewer mishaps, fewer driving convictions and when they do have an, the repairs are generally cheaper. So, is it really true, or is it just another marketing gimmick?

The clear answer to the question is both yes and no. Women only insurance companies are advertising to a particular market - women drivers. Of course it's a trick, but such as the most readily useful marketing gimmicks, it is situated in reality. Here are the important points about women drivers and insurance:

-92% of driving beliefs are handed out to men.

As women become more aggressive individuals, those numbers are changing, though. According to data collected by the automobile insurance assessment site confused.com, 16.8% of male drivers have convictions on their driving record, compared to 9.8% of female drivers. That amount is up from 4.8% of female drivers only 3 years before.

-Men travel differently than women.

A year ago a monstrous 98% of dangerous driving convictions were handed out to male owners. According to all of the research, men are generally more aggressive and competitive when driving than women, and that naturally leads to more injuries. Women often drive more slowly - generally within the speed limits - and to drive shorter distances. All those facts total up to fewer accidents that involve women. (Therefore much for all those jokes about lousy women drivers. The data say otherwise.)

-Insurance businesses pay out less in damages for policies taken out by women.

When women do get into an accident, they are usually of the fender-bender scrape range. General, insurance providers have always known that female drivers cost less to them in winnings.

However, that doesn't necessarily translate to the lowest premiums from women that are only insured by companies. Actually, many of them offer true estimates which can be greater than the price you'd be estimated from the more general motor insurance carrier. The fact remains that despite the widespread feeling that females drivers underwrite their more expensive male counterparts by paying higher insurance, most insurance companies offer lower insurance rates to female drivers as a customary part of conducting business.

That's not to state that you'll not have the most useful price from an insurer who only insures women's cars. The bottom line may be the identical to it's with any automobile insurance decision. Look around. Before you determine the policy that is best for you get insurance price estimates from the amount of different organizations. Remember when you are comparing policies that you should always compare like with like. Determine the specific cover that you need before you begin requesting prices, and ensure that the price you're quoted includes most of the cover you need. It is really the only way to be sure you are getting the most readily useful cover for the money.