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Finding Free Car Insurance Quotes - Why You Can Expect Lower Rates As a Woman

You cannot avoid buying auto insurance.
So, you have to accept this fact and spend some time shopping around.
You will be able to find lots of free car insurance quotes especially if you make a search on the internet.
You will also be eligible for a lot of discounts.
In fact, there are many factors that can automatically reduce your premium.
It might be surprising to some, but you will incur significantly lower costs if you are a female driver.
As you know the premium of your auto insurance is determined by a number of factors.
These include your age, driving experience, the type of vehicle you are using and many others.
The insurers do not know you personally so they use statistics to determine how these factors are going to affect the price that you will have to pay eventually.
The data shows that the individuals with limited driving experience are more likely to cause an accident.
So, they are asked to pay higher premiums.
Indeed, if you are a young driver you can expect most of the free car insurance quotes you get to come with high rates.
Just like your age, your gender also determines how large your premium will be.
The statistics show that women are not better drivers than men - they are just "safer" for the insurers.
The data reveals that female drivers and vehicle owners make fewer claims.
Furthermore, these are less expensive than the ones made by men.
This automatically makes the insurance companies offer cheaper free car insurance quotes to women.
Another factor that affects the premium and makes it smaller for female drivers is that they have lower mileage than men on average.
This is definitely true - most women tend to use their car to travel shorter distances usually within the limits of a city or a neighborhood.
Male drivers, on the other hand, use their vehicles to make longer journeys.
These particular facts might spring from the two genders not being equal, but in the case of insurance coverage they are certainly in the favor of women.
So, you should definitely take advantage without having a guilty conscience.
Generally, the female motorists drive more safely.
It is statistically proven that women have fewer speeding tickets.
They are also less likely to violate the other driving regulations.
Also, the female drivers are considered to be more careful and attentive.
They are calmer and less aggressive on the road as well - this is what is perceived at present.
Once you get all sorts of free car insurance quotes you can expect most if not all of them to have lower rates than the offers presented to your male partner or relative.
In fact, the gap may come to hundreds of dollars.
It has been estimated that women pay approximately 30% less them men on average.
You do not have to keep this advantage to yourself.
You can share the coverage with a guy so that he can pay less too.
The important thing is to use your luck while it lasts as the statistics on female driving are becoming more disturbing.
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