Car insurance companies are notorious for offering cheap car insurance policies to females. This doesn’t mean the car insurance companies are sexist, but it does mean the car insurance companies take into account the statistics that show that female drivers are usually safer drivers. Female drivers make fewer claims, drive safer vehicles, and get fewer traffic tickets than male drivers – statistically speaking, of course. Therefore, car insurance companies see female drivers as a lesser risk than male drivers.
Yet, despite the gender of the driver, car insurance companies always look at the age of the driver, too. Older drivers are viewed as less of a risk because they are thought to have more driving experience. Younger drivers are viewed as more of a risk because they are thought to have less driving experience.
So, how can you find cheap car insurance for the young females?
Use all resources. This means, your good driving record, any driving classes you’ve successfully completed, your safe car, and your safe neighborhood. Point these facts out to the car insurance agent, and you may get a cheaper car insurance quote. You may even discover discounts you weren’t aware of.
Stay on, or “spin off” of, your parents’ car insurance policy. If you stay on your parents’ insurance policy, they will most likely get a discount for having multiple cars on their policy. You can “spin off” of their car insurance policy if you have already been on their insurance policy, and have now decided to get your own car insurance policy from the same car insurance company. By “spinning off” of their car insurance policy, you will get a cheaper car insurance policy than if you purchased your own from another company, or without ever having been on their policy.
By taking either, or both, of these steps you’ll find cheap car insurance for the young female; at least, until you get a bit older!