Although too many men it seems unfair, it is true that women are not as likely to claim on their car insurance as men. The reasons for this are not conclusive but point towards a few known facts such as the speed at which women are more likely to drive at plus they are less likely to drive sports vehicles.

It is for this reason that car insurance providers are happy to give policies to women than men as they know that there is less of a chance they will make an insurance claim. The problem is that although both sexes actually face similar driving conditions, when a man has an accident, the damage to the vehicle is normally far greater than if a woman had been driving. This is why women drivers can expect to receive anything up to almost a third off an equivalent policy for a man who had similar profile to that of the woman.

Part of this is down to the slower speed that the average woman drives at which means that most accidents do not have such severe damage which translates to smaller payouts by vehicle insurers. Whereas, road accidents where the drivers are male often result in more damage to property and other vehicles as their speed is higher which means the insurance company has to pay out more. From an insurer's pint of view, even a newly qualified woman is a lower risk driver than a man who has just passed his exam.

Some car insurance companies specialize in auto insurance for female drivers and will only insure women; they will not even insure a woman who wants to put her husband on the same auto insurance plan. Many of these companies believe that the risk the male driver poses, even though he is a policy holder's partner is not worth the additional cost that can be incurred if he has an accident.

Working to a budget like this means the company will not make as much profit so they will have to attract more members than would normally be required. For many women, it is now quite normal to arrange car insurance that also provides legal protection in the event of claims. Clean driving licenses are also a way to keep premiums down and additional discounts can be included where a vehicle is stored in a garage when not in use.

Always bear in mind that specialist insurers (and women only companies' fall into this category) are not always the cheapest to deal with and sometimes, despite the discounts, they are not necessarily going to be the most competitive auto insurance provider. Considering the ongoing costs involved with any type of insurance, the best course of action is to compare companies and obtain quotes from a number as you may discover a general insurer who is cheaper.