Is Womens Auto Insurance Just A Advertising and marketing Gimmick?

Women's car insurance has been popping up all over the net and our Tv screens lately. There is a whole new class of insurers like Sheila's Wheels and Cover Girl who provide auto insurance for ladies only. They promise decrease premiums for girls drivers simply because, they claim, it is less expensive for them to insure women. Girls are much better drivers so a reduced risk, they say. They have fewer accidents, fewer driving convictions and when they do have an accident, the repairs are typically less expensive. So, is it actually correct, or is it just yet another marketing and advertising gimmick? www.carinsurancevalue.net The answer to the query is both yes and no. Ladies only insurance businesses are advertising and marketing to a distinct niche - ladies drivers. Of course it is a gimmick, but like the best marketing and advertising gimmicks, it is based in truth. Here are the facts about girls drivers and insurance: -92% of driving convictions are handed out to guys. These figures are altering, even though, as girls turn out to be a lot more aggressive drivers. According to statistics gathered by the vehicle insurance coverage 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 four.8% of female drivers just three years ago. -Males drive differently than ladies. A whopping 98% of dangerous driving convictions were handed out to male drivers final year. According to all the investigation, men tend to be much more aggressive and competitive behind the wheel than girls, and that naturally leads to a lot more accidents. Girls tend to drive far more gradually - generally within the speed limits - and to drive shorter distances. All of those details add up to fewer accidents that involve girls. (So considerably for all these jokes about lousy women drivers. The statistics say otherwise.) -Insurance companies spend out less in damages for policies taken out by ladies. When ladies do get into an accident, they tend to be of the fender-bender scrape assortment. General, insurance organizations have constantly known that female drivers expense them much less in payouts. Nevertheless, that doesn't necessarily translate to the lowest premiums from businesses that only insure women. In truth, many of them offer actual quotes that are higher than the rate you'd be quoted from a far more generic motor insurance coverage firm. The truth is that despite the widespread sentiment that females drivers underwrite their far more high-priced male counterparts by paying larger insurance coverage, most insurance coverage organizations supply reduced insurance coverage prices to female drivers as a customary part of carrying out company. That is not to say that you won't get the finest value from an insurer who only insures women's vehicles. The bottom line is the same as it is with any other auto insurance selection. Shop about. Get insurance rate quotes from a quantity of various businesses before you choose on the policy that is very best for you. Keep in mind when you're comparing policies that you really should always evaluate like with like. Decide on the certain cover that you want just before you commence requesting quotes, and make sure that the rate you're quoted incorporates all the cover you need. It really is genuinely the only way to be totally particular you are getting the very best cover for your funds.