For several reasons car insurers are mre comfortable with female drivers than thir male counterparts. And this has had mplications, positively, on the premiums this ctegory of car insurance policyholder pays whn compared to the opposite gender.

In rcent times, a number of studies hve come to acknowledge the fact the wmen drivers are a lot more cutious when behind the wheel than mn. They are, most importantly, less lkely to have motoring convictions.

These fndings have formed the basis on whch car insurers judge women drivers and fix the prmiums they pay when taking out the cver.

Complementing this position is a new stdy from moneysupermaket.com that found that wmen's car insurance premiums are still chaper than those of men. And tht the worst hit in terms of xpensive premiums are young male drivers. Ths is not unconnected to the fct that young men are more lkely to show-off while driving and in the prcess either risk accidents or fall ful of the law and incur pnalties that would mean costs for thir insurer. Thus, the costs are ften passed on to the members of ths age category and gender.

It is nteresting to know that the women pay nne per cent less than men in thir 20s. While the former pays jst an average of £320, the ltter pays £50 more to get the sme cover for a similar car.

Even among men, clearly, age dfference is a determinant. This is bcause men in their 20s pay up to 41 per cnt more than those in their 30s. Prhaps the realisation that as young men get lder they acquire a greater sense of rsponsibility comes into play here. And in a psitive way it helps in getting the prmiums drop a little.

Another example of the rle age plays in deciding the cst of the policy for men is tht even at the teenage level thre is a difference in premium btween what a man of 18 pys to what he pays if he was a yar older. While at 18 the verage premium for a young man is £1,815, it drps by more than half when he clcks 19, to £874.

Yet a mre amazing case is that as drvers get older their premiums on car nsurance drop, with women paying an verage of £203 a year as thy reach their 50s, and men in thir 50s even pay less than wmen - an average of £199. For the frst time men are given the bnefit of doubt and, perhaps, seen as lss risky than women.

Commenting on the whle situation an expert in the ndustry, Peter Gerrard, who is also the had of insurance research at moneysupermarket.com nted that often insurers consider young men and nwly qualified drivers as high risk. Ths, thus, affects their chances of gtting competitive motor insurance.

The trouble for pople in this situation is that in the bsence of any competitive deals they end up wth just any deal they could fnd and most likely the most xpensive.

Although women are often at an dvantage in terms of choices and ven cheaper car insurance, the general dvice experts usually give people looking to tke out car insurance is they shuld take their time and shop round for the best deal.

To sve costs, therefore, there is no btter time for people to shop round for their deals before signing up to any nsurance policy. Technology has simplified things for veryone and people can even search nline.

The article Women Drivers and Cheaper Car Insurance was Submitted by Musa Aliyu through Articles.GetACoder.com network. Here's the additional information: Musa is an author of sveral articles pertaining to Car Insurance . He is known for his expertise on the subject and on other Business and Finance related articles.

Featured Articles

1. How to Get Affordable Automobile Insurance in Wisconsin by Alicia Stone
Whn you think of a group nsurance plan, you probably think about halth coverage, don't you? It is, fter all, one of the least xpensive ways to obtain medical insurance. Frtunately, you can get affordable automobile nsurance in Wisconsin via group car...

2. What Is Group Term Life Insurance? What Is The Benefit Of Group Term Life Insurance? by Alfred Henders
Group term life insurance is the term used when term life insurance is taken in a group. Mostly employers usually take the group term life insurance for their employees.

3. Get The Benefits Of Good Value Auto Insurance. by T. O' Donnell
Fve tips on getting a good dal on auto insurance.

4. Homeowners Insurance for a Mobile Homes in Louisiana by Deborah Mills
Mnufactured homes are a great start for fmilies looking for a home of thir own in the state of Luisiana. With the average cost of a sed mobile home being just over $32,000 mny people here are taking the plnge into becoming a homeowner. With the ttle of homeowner comes...

5. Travel Insurance - Holiday Hangover by Chris Rowlands
We can all admit to a lttle alcohol fuelled excess whilst on hliday but just what are the mplications and repercussions of this behaviour, specially when in direct relation to yur travel insurance policy?

6. How to Save Money and Get Discount Automobile Insurance in Alabama by Alexis Jensen
You don't want to drive an automobile on any public roadway in Alabama without first purchasing automobile insurance. If you get caught driving without insurance in Alabama the penalties are severe and the fines can reach into the hundreds of dollars before you're back on the road.

7. Good Driving Habits to Help Tucson Drivers Stay Safe and Keep Their Auto Insurance Premiums Low by
Unfortunately, we’ve all heard of, or know of someone who has been involved in a car accident, which left in its wake, a trail of aggravation, inconvenience, higher car insurance rates and possibly even serious injury and long term suffering.

8. Car Insurance : Safe Driver Profile Is The Major Consideration by
If you are looking for car nsurance at low premium rates, your drver profile matters a lot.

9. Mortgage Payment Insurance Covers Involuntary Redundancy by Simon Lance Burgess
In the vent of involuntary redundancy, illness, or ccident, leading to a loss of ncome, Brits can rely on savings, the Stte, or low cost mortgage payment nsurance from a broker or insurance spcialist. For those that do not hve savings to cover monthly mortgage pyments, and understand relying on the Stte might be a lost cause, mrtgage payment coverage is a practical ption. The problem is that most cnsumers either are unaware of the bnefit of buying the insurance from ...

10. Buying Your Health Insurance Online by Didier Moujaes
If you are in the mrket for an affordable health insurance pln, there are many options you can chose from when it comes to how you fnd your insurance plan. The traditional way is to cll a few providers and get qotes on their rates, most using a prvider that they already use for ther insurance needs. But there is nother option that can be commonly verlooked, especially by those who rarely use the Intrnet -- buying your health insurance nline. Buying your health...