Car insurance for women drivers

When it comes to buying car insurance, women drivers know they are the better risk compared to many men and expect lower premiums as a result.

Even so, it pays women drivers to do their car insurance buying homework first; comparing information about the best insurance deals then shopping around carefully.

There is little clear evidence that any one insurer offering car insurance for women drivers is either cheaper or better than one that advertises to men or women alike. A brand might look more male or female friendly, and include special services for women perhaps, but all car insurance providers will adjust the premium to match the risk the individual woman driver represents, based on her car, postcode, whether the car is garaged, her driving experience and claims history.

In general, young women drivers are a better insurance risk than young men. By the time we are in our 30s and 40s both genders represent a similar risk and older women drivers tend to have more accidents in car parks and with stationary cars so don't always do as well as men at this stage in their driving lives.

Most women drivers start shopping for car insurance a month ahead by visiting comparison shopping websites like www.uswitch.com, www.moneysupermarket.com, www.confused.com, www.gocompare.com and www.tescocompare.com.

Always remember to read the small print carefully particularly any changes to your existing policy which might not seem important at the time. Some car insurers are reducing comprehensive car cover to cut back on costs; be sure to check for changes to any No Claims Bonus protection, policy excess (ie the money you pay towards any claim), Personal Accident, windscreen or courtesy car cover.

Bear in mind that what you pay for is what you get. If you buy the cheapest car insurance for women drivers regardless, then you may spot the difference at accident and claims time. And there is little to stop a car insurer from ramping up their car insurance premiums for women drivers in Year Two to see if you might stay rather than go through the car insurance shopping process so soon afterwards.

Finally ignorance or forgetfulness is no excuse at claims time. Be aware of your car insurance policy cover and always tell the truth, declaring all speed and traffic convictions. No woman driver wants any car insurance cover complications or hold ups when involved in a road accident or at motor claims time.

FOXY Lady Drivers Club can help you save time and money when it comes to running your car. You can also count on female friendly services, jargon free advice and someone to turn to if things get stressful. A lifetime FOXY Classic subscription costs just £23 including a £3 donation to the Cancer Buddies Network charity. Membership services include FOXY approved female friendly garages; FREE car safety checks; car insurance discounts; moneysaving offers; a friendly technical helpdesk; FREE legal advice about road traffic law and a FREE 'no fault' accident assistance service.