Female drivers are usually offered lower car insurance premiums. This is one example where a stereotypical image works in their favour! Women motorists are often considered safer and more careful and many different pieces of research have revealed that the statistics back this up, with women involved in fewer accidents than men.
This means insurance companies reward women with cheaper cover as there is a smaller chance of them having an accident and the company having to pay out on a claim.
There are even car insurance companies that specialise in offering policies tailored to female drivers. These give the same range of options in terms of level of cover, from third party only to fully comprehensive, with many additional features such as handbag and mobile phone cover and breakdown assistance.
When buying car insurance it is important to consider all the options and compare the prices of like-for-like policies. Third party only cover is the cheapest option, then third party, fire and theft and finally fully comprehensive is the most expensive but will cover more eventualities. The excess payable will differ between policies and optional extras can include cover for personal items, breakdown and accident recovery and windscreen repair. Ring around or use an online comparison service to get the best deal.