|All across the board in the UK, itís been shown that lady drivers are safer drivers than men. With more than 92% of convictions in the UK caused by men and the population with 98% of all dangerous driving convictions, its no wonder car insurance for lady drivers has better terms and lower premiums. This hasnít been without controversy, with the European Union pressing charges that insurers could not discriminate on the basis of gender when coming up with cheaper car
insurance for women. However, car insurance has received the upper hand in this discussion, claiming that their conclusions are based on statistics and not gender.
Motor insurance companies have an entire system in place when determining the prices for lady driver car insurance. Headed by underwriters and various actuaries, they are the ones responsible for determining risk by using tons of statistical information that take into consideration everything from the geographical area you live in to the type of car you drive. Car insurance for lady drivers is based on a few factors, including the type of cover you need, what the car will be used for, where the car is kept, who will drive the car, and the car model youíll be driving. All of these are used to determine your car insurance lady driver quote.
On a side note, young female drivers applying for car insurance also share better premium rates than their young male counterparts. Males have been notorious for speeding flashy cars and adding excessive modifications while driving at higher speeds, which contributes to the overall impression (and accuracy) of women as safer drivers. Coupled with these die hard statistics, there is nothing to shake this reputation. All in all, car insurance for
women drivers has definitely taken a boost from the transgressions of the opposite gender.
Lady Driver Car Insurance