"Where can I find cheap car insurance for women?"
Most insurance companies view women as lower risk than men and can therefore usually offer cheaper car insurance for women than their male counterparts. Insurance for a young woman under the age of 30 is significantly cheaper than for a young man but there are still things that you can do to keep the costs down even further.
It is a fact that females are generally cheaper to cover than males for an insurance company even though statistically females have just as many accidents as males. This is because the damage caused by male drivers is more expensive to repair than the damage caused by female drivers. Generally speaking men drive faster than females but they also do more long distance journeys, which increases the number of high speed collisions such as on motorways or major A roads. However, this is a trend that is evening out and now there is a greater number of female drivers that are involved with jobs that require much traveling.
However, for the time being at least, most insurance companies complement female drivers with lower premiums and whilst this is still the case it is advisable to take advantage of any good prices that you see. An increasingly popular trend over the last few years is for companies to offer insurance only for female drivers. Very often these companies are trading names of large insurance giants but sometimes they are independent companies that offer insurance themselves and might also offer you good deals on insurance with other companies by acting as a broker. Most of these specialist companies operate online in order to cut down on overheads and therefore offer you a lower price.
For companies that operate by phone as well as online you will probably find that you can receive a discount by taking out your policy online. Sometimes this can be as much as 30% although this is rare and most discounts are in the region of 10-12%. Even so this represents a considerable saving on a service that costs hundreds or even thousands of pounds.
If your vehicle is worth only a few hundred pounds it could make good sense to choose third party fire and theft coverage. This will protect other people on the road and also cover you if your car is broken into, but will not cover you for repairs to your car should you be responsible for an accident. However, if the car is hardly worth anything it might not be worth getting it repaired anyway.