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Get Lower Car Insurance Rates

Can you find cheaper auto insurance for female drivers? You could hear jokes about bad lady drivers, but despite these jokes, women drivers are far more prudent than men according to insurance company statistics. The big insurance companies keep careful records on auto insurance claims and accidents, and females tend to make lower amounts of claims, and they make claims less often!

It is not because men drive more either, because these studies averaged out the dollar amount of claims per miles drived. Guess what? Women still came out with less claims per mile driven.

Are Women Safer Drivers?

Male Drivers may rack up more driving time than females. They should be more experienced behind the steering wheel. So why do women have less accident claims?

Women may be more cautious. In a family, women probably spend more time driving with the kids too. This fact helps make women more careful drivers. Men may be more agressive and take more risks too. Whatever the reason, as a group, women have less accidents.

Women may also tend to look for safer cars. Men may choose sportier cars, but not always purchase according to which car has the newest safety features. When different safety features of a new car are proven to reduce accident claims, a large car insurer will be certain to offer a rate discount because they want to encourage their clients to buy cars with safety features.

So women may earn a double auto insurane discount. They get one for belonging to the group of females that is known to be safer drivers, and then they get another for having a safer car to insure!

What does this mean to you? You should be certain to take advantage of available car insurance rates for female drivers. This is really important if a woman is younger, because rate gaps between younger women and younger men are substantial! Young people under 25 are risky to insure, but men and boys in that group will be even riskier than women.

Auto insurance companies use their own calculations in order to set rates. But they also use their own different scales. Make sure you find the insurer who offers low cost womens car insurance as one key part of the way they figure rates.

It will help you to compare multiple insurers the simplest way. Use safe and free car insurance rate quote forms to give you multiple plans and policies to choose from in your local area. This should save you time and money.

It can take forever to call around to several different insurers. An online quote form allows you to enter your information one time, and then have competitive insurance companies review the information and make you offers. Since insurance rates are set locally, it will be a relief to be in touch with qualified local insurance agents. Do not be fooled by an online quote form that does not even ask you for a zip code. It would be impossible to get accurate quotes without even giving out your location!

As the Christmas shopping mania gathers pace, shoppers find themselves under pressure as they navigate crowded roads and car parks, seeking that last available space. They enter the fray, to find that last ‘must have toy’ at Argos, and that Chocolate Christmas Pud at M&S. With only a 2 point rise in blood pressure they survive the queues and crowds. Only to find a dented bumper with a three inch paint scuff, and no note left on their car windscreen from the guilty party.

Is anyone surprised that stress levels rise at Christmas?

Car Parking Hot Spot Survey

A parking study, commissioned by RAC Direct Insurance, shows car park prangs are costing UK motorists £2.4 billion each year. This study found that more than half of all motorists have either bumped another car, or had their own car pranged in a car park. Supermarkets being the most common places for the accidents to occur.

While car park accidents may be ‘minor’, they are not cheap. The average payment to fix the scrapes and dents is £293.57.

Bump and Run

A tenth of UK motorists admit to ‘forgetting’ to leave a note after a car park prang, with various excuses being given.

Tit for Tat – A quarter of male motorists, and one in ten female drivers, do a runner because their car has been a victim of a previous hit and run so they don’t feel like they need to leave their own contact details

Is it worse at Christmas?

The long delay experienced by drivers before they even get to the shops, with the overcrowded roads, leading into the town centres leaves their stress levels sky high. Couple this with the problem of finding a space in the tight car park where the space size seems to shrink each year. Is it any wonder that tempers fray quickly and short cuts are taken? This lack of care leads to an increase in the car park mayhem.

Avoiding the Bumps

• Park away from other cars, often the extremities of the car park can be empty. This means a longer walk, but a better chance of preserving your car’s integrity.

• Avoid the trolley run in supermarket car park as damage is often caused by struggling pedestrians manhandling an overfull trolley past your vehicle.

• Take care when parking, don’t try to squeeze into an awkward tight spot.

• Take special care when reversing, is another car also reversing?

• If you drive a Mercedes R- Class, bad luck, the average parking bay is 2.4m by 4.8 m and the car is nearly 2.2m wide and 5.2m long. I suggest taking the bus instead.

Getting it fixed

Ok the worst has happened, what next, how do I get it repaired.

Look for a local SMART repair technician on www.look4carcare.co.uk, they are skilled in repairing small scrapes and dents, without the need for a full panel re-spray, thus keeping the cost down.

For example the costs for bumper damage can start at £60. See www.trimlineswindon.co.uk/prices.htm for some example costs. Please be aware that costs can vary according to the amount of damage and the company undertaking the work. Always request a written quote first.

About Look4carcare

Look4CarCare is a national online directory of SMART Repair suppliers in the UK. The Look4CarCare website allows car owners to find suppliers offering the exact SMART repair that their car requires anywhere in the UK. Services currently covered by the valuable online resource include: paint scuff and scratch repairs; windscreen repairs; paintless dent removal; leather repairs; fabric repairs, bumper repairs; dashboard repairs; alloy wheel repairs, stone chip repairs. It also aims to become the informational focal point for SMART Repairs and associated industry news.

For further details contact

Barbara Jeffers

Tel: 0779 279 3511

E-mail: info@look4carcare.co.uk

Website: www.look4carcare.co.uk

In the recent past car insurance rates have increased, especially for young drivers which have resulted in problems for new drivers whose premiums are somewhat on the high side. However, young female drivers may need to pay less because they are a lower risk proposition. So, before purchasing auto insurance it would be wise to view the car insurance groups that a particular car falls into. There may be different grouping structures and the insurance premium goes up as you move up in these groups.

Don’t Be Mystified By The Different Premiums Charged

Many people that want auto insurance can often be mystified with the different policies and may have trouble understanding why the company is charging them the premium they are charging and how the type of car has an effect on such premiums.

It is thus important for you, as a car insurer to understand that you can get lower insurance premium costs by falling in a lower car insurance group and this can best be achieved by purchasing a car that falls in a lower category or group.

These auto insurance groups classify cars in a certain level of insurance and each car is assigned a group starting from one and ending at twenty. Such grouping allows each model of car to be banded with cars having similar features and a particular model of car can be spread in many groups.

There are many factors that come into play when classifying a car into a particular car insurance group, and these include the cost of repairing a car and costs of damage and parts, time required to repair the car, new car values, availability of body shells, performance of the car including acceleration and top speed, and the security features fitted as standard equipment by the manufacturers of different automobiles.

These auto insurance groups are not arrived at by individual companies, but by an association that represents car insurance companies in full. However, individual auto insurance companies may vary the groups based on their own experience. It is usual for family cars to fall into the six to twelve car insurance groups if they do not have high-powered engines. On the other hand, sports cars as also high-risk cars fall into the higher auto insurance group ratings and that would mean having to pay extra for your car insurance premium.

Among the lower auto insurance groups you would find cars such as Citroen, Toyota and Renault, and in the middle groups you can find cars such as Ford Focus, Mercedes A+ class as well as VW Polo. The higher group cars include BMW and Audi A4 while the highest group cars include Aston Martin and BMW M3 series. With these models in mind, you can get a rough idea as to which car insurance group your car falls into and when buying a new vehicle you can keep this in mind.

Women’s car insurance has been popping up all over the net and our TV screens lately. There’s a whole new class of insurers like Sheila’s Wheels and Cover Girl who offer car insurance for ladies only. They promise lower premiums for women drivers because, they claim, it’s cheaper for them to insure women. Women are better drivers so a lower risk, they say. They have fewer accidents, fewer driving convictions and when they do have an accident, the repairs are usually cheaper. So, is it really true, or is it just another marketing gimmick?

The answer to the question is both yes and no. Women only insurance companies are marketing to a specific niche – women drivers. Of course it’s a gimmick, but like the best marketing gimmicks, it is based in truth. Here are the facts about women drivers and insurance:

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

Those figures are changing, though, as women become more aggressive drivers. According to statistics gathered by the car insurance comparison site confused.com, 16.8% of male drivers have convictions on their driving record, compared to 9.8% of female drivers. That number is up from 4.8% of female drivers just three years ago.

-Men drive differently than women.

A whopping 98% of dangerous driving convictions were handed out to male drivers last year. According to all the research, men tend to be more aggressive and competitive behind the wheel than women, and that naturally leads to more accidents. Women tend to drive more slowly – generally within the speed limits – and to drive shorter distances. All of those facts add up to fewer accidents that involve women. (So much for all those jokes about lousy women drivers. The statistics say otherwise.)

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

When women do get into an accident, they tend to be of the fender-bender scrape variety. Overall, insurance companies have always known that female drivers cost them less in payouts.

However, that doesn’t necessarily translate to the lowest premiums from companies that only insure women. In fact, many of them offer actual quotes that are higher than the rate you’d be quoted from a more generic motor insurance company. The truth is that despite the widespread sentiment that women 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 doing business.

That’s not to say that you won’t get the best price from an insurer who only insures women’s cars. The bottom line is the same as it is with any other auto insurance decision. Shop around. Get insurance rate quotes from a number of different companies before you decide on the policy that’s best for you. Keep in mind when you’re comparing policies that you should always compare like with like. Decide on the specific cover that you want before you start requesting quotes, and make sure that the rate you’re quoted includes all the cover you need. It’s really the only way to be absolutely certain you’re getting the best cover for your money.