Car insurance is not a field that discriminates against a gender, at least in terms of actually acquiring car insurance in the United States. That being said, often times being a female will increase eligibility for certain discounts that might not be available for men.
Car insurance companies take a number of factors into consideration when creating policies. These factors are different from company to company, so it’s always important to do a good comparison of policies from company to company. Some companies will consider discounts that you qualify for, while others will not.
There are some discounts that are generally available and apply to both men and women. First and foremost is a good driving record. If a driving record is free from moving violations and car crashes, you’re likely to get greater discounts on the insurance policy.
Discounts are also dependent upon the post code that you live in. Some post codes, for example major cities, will have a higher premium. The car insurance will take the post code into consideration when creating the policy. This is standard for all insurance companies.
Other widely available discounts include good credit ratings. Sometimes if your credit score is above a certain point mark you will be available for a discount. This is totally dependent upon the company, however. It is fairly standard for companies to offer discounts to folks with multiple cars insured with their company.
Discount car insurance for women tend to be available by age groups. The age groups are commonly divided into three sets. The youngest set is new drivers, so from age 16 to age 25. The next group is the “experienced drivers,” so ages 25 to 65. The final group is the senior citizens, so those aged 65 and over.
Women in the first age group are typically quoted at a lower rate than males in that same age group. Male drivers at a young age are typically considered to be more “reckless” than female drivers, so insurance rates are lower just for being a woman. The middle group doesn’t tend to receive any discounts for being female, although some companies will give discounts to single mothers.
The middle group tends to be less eligible for special discounts. The best ways to get discounts at this age are to call the insurance company and see if they have any discounts that you qualify for. There are also sometimes partnerships between your employer or the university you attended that may qualify you for additional discounts.
Over the age of 65 are often qualified for discounts based upon a few different factors. The first is loyalty to a certain insurance company. These discounts are beneficial whether you stick with the current company or switch to a new company. You can also receive discounts for owning the same vehicle for many years and for driving less and less as the years go on.
Car insurance quotes for women tend to be eligible for a number of car insurance discounts. Some, such as a good driving record or low mileage are widely available for both men and women. Others, such as single mother discounts or being considered less reckless are available only for women. It’s always a good idea to shop around with multiple insurance companies and to even call in to make sure you’re getting all of the discounts that you deserve.Get your car insurance quote here.