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Women's car insurance has been popping up all around the web and our TV screens currently. There is a whole new class of insurers like Sheila's Wheels and Cover Girl who provide motor insurance for women only. They promise lower payments for women motorists because, they claim, it is cheaper for them to cover women. Women are better drivers so a lesser chance, they say. They have fewer mishaps, fewer driving convictions and when they do have an, the repairs usually are cheaper. So, is it really true, or is it merely another advertising gimmick?

The solution to the question is both yes and no. Women only insurance firms are marketing to a specific niche - women drivers. Of course it's a device, but just like the most useful marketing jokes, it is situated in truth. Listed below are the important points about women drivers and insurance:

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

These figures are changing, although, as women be much more aggressive individuals. According to data collected by the automobile insurance assessment website 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 owners only 36 months before.

-Men travel differently than women.

A massive 98% of dangerous driving convictions were handed out to male owners a year ago. According to all of the research, men are generally more aggressive and competitive when driving than girls, and that naturally results in more incidents. Women often drive more slowly - broadly speaking within the speed limits - and to drive shorter distances. All of those details total up to fewer incidents that involve women. (Therefore much for those jokes about awful women drivers. The statistics say otherwise.)

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

When women do get into an accident, they are generally of the fender-bender scrape range. Over all, insurance firms have always known that female drivers cost them less in winnings.

However, that doesn't necessarily translate to the cheapest premiums from companies that only cover women. Actually, many provide real prices that are greater than the rate you'd be estimated from a more universal motor insurance company. The reality is that despite the common belief that females drivers underwrite their more costly male counterparts by paying higher insurance, most insurance companies offer lower insurance costs to female drivers as a normal element of conducting business.

That's not to say that you will not get the most readily useful value from an insurer who just protects women's cars. Underneath line could be the just like it is with every other car insurance decision. Look around. Get insurance price quotes from the quantity of different organizations before you choose the plan that's best for you. Bear in mind when you are comparing plans that you must always compare like with like. Determine the precise cover that you want before you begin requesting quotes, and make sure that the rate you are quoted includes all the cover you need. It is the one way to be absolutely certain you are getting the most useful address for your money. 23 Photo Sharing: California Industrial Vehicle Insurance coverage