|In determining premiums and rates, auto insurance companies are very diligent, scrutinizing everything from the model number of your car to accident rates per brand all the way down to driver gender. It’s a fact: all across the broad, female drivers go through less accidents than their male counterparts. Statistics show that they drive safer cars, have less traffic violations and tickets, and more likely to select a car with good gas mileage free of too many moving psrts like super accelerators that can drive up that young female driver car insurance rate.
Young female driver car insurance can also benefit from the fact less insurance claims are filed by women than men. However, this statistic might be misleading considering the nature of auto drivers when filing (or lack thereof) auto insurance claims. In addition, it doesn’t necessarily mean they are involved in fewer car accidents. Regardless, young female car drivers typically enjoy better rates than men. Although they are higher than average due to experience, young female drivers can make up for it by building a spotless driving record. Obeying all traffic rules, avoiding violations, and driving safely will notch “safe points” to your insurance record, a green light for all auto insurance companies.
Young female driver car insurance rates can also be helped by attending a driver education course. Driver’s education courses introduce people to the nuances of road driving, including defensive driving tactics, handling pressure under different weather environments, handling tailgating situations, and so on. Your participation is noted on your record and premiums might be adjusted accordingly. Both high schools and private driving schools offer these. All in all, auto insurance companies pay close attention to gender but even greater attention to your driving record in order to decide how cheap your auto insurance rate will be.