A lot of men like to crack jokes about women drivers, alluding to the fact that simply because men are more commonly interested in cars and driving that they are automatically safer drivers.  In all reality though this assumption is a complete myth, and in many cases the car insurance companies reflect the sentiment.   Women can often be safer and clearer headed behind the wheel than their male counterparts, which is why it can be even easier to get the cheapest car insurance for women.

According to statistical analysis the percentage of women who are involved in automobile accidents is smaller than that of men, which makes them prime candidates for lower car insurance rates.  Accidents can cost insurance providers a substantial amount of money so the safer drivers tend to be the ones that can find the best possible rates.  Due to the fact that women tend to be involved in fewer accidents, they present less of a risk to insurance providers in general and can command a more reasonable rate.

Women also tend to be involved in fewer instances of reckless driving and road rage than men which is another reason that insurance companies may be more willing to extend better rates to the fairer sex.  Though reckless driving and road rage don’t necessarily constitute a guarantee of damage to other people, automobiles or property, they certainly do increase the chances for it.  Insurance providers want the safest and most low risk drivers possible to comprise their clientele, which is why it can be a bit easier to find the cheapest car insurance for women.

Even though women may have the statistical advantage over men when it comes to getting the best possible rates for car insurance, it certainly doesn’t hurt for a female driver to shop around in an effort to get the cheapest car insurance for women.  Many insurance providers are willing to extend additional discounts to any driver that meets certain criteria, if you can show proof of being a qualified driver you may be able to get an even lower monthly premium.

Despite the fact that you are probably already getting a lower rate than your brother, it will never hurt to shop around for a cheaper policy.  Every year when your current policy starts getting close to renewal you can take just a few minutes of your time to fill out a simple online for to initiate getting quotes from a multitude of other car insurance providers.  Having that large variety of quotes to compare will give you a good idea if you are currently in possession of the cheapest car insurance for women or if it might be time to take your policy elsewhere in order to save yourself some money.

Getting quotes from a number of different companies can only help you to determine if you’ve got the right policy for you.  Insurance providers are eager compete for and offer policies to the safest of drivers so instituting that contact by requesting a quote can only benefit you in the long run.  If you find that your current insurance provider just so happens to be offering the cheapest policy for you at the moment, then you’ll be able to renew your policy with the confidence that you aren’t wasting any of your hard earned money by paying too much for your auto insurance.

If your current provider is at the top of your list for cheap auto insurance, you can still make every effort to bring the cost of your premium down.  Inquire about any potential discounts that they offer that you may not have qualified for upon initially purchasing your policy.  If you’ve moved to a new neighborhood, added an alarm system to your car, gone back to school or gotten a new job you may qualify for additional discounts that could conceivably save you more money on your already low premiums.

Make your current provider aware that you are actively seeking a policy with a lower rate and that you might have to switch to another provider if necessary in order to get that lower rate.  If you’ve been an ideal customer and have the attributes that insurance providers look for in a customer your agent may make every effort to keep you happy by adjusting your rates to a level that you feel more comfortable paying.  Shopping around every year and making inquiries about your current policy every time your policy comes up for renewal will help to ensure that you always have the cheapest possible policy and that you aren’t spending too much.

Simply sending in your form for renewal every year may be the easiest and most convenient avenue to follow with your car insurance, but is certainly not the best practice if you are looking to save money.  Even reasonably cheap car insurance can be pretty expensive so you’ve got to consistently be on the lookout for providers who are offering more competitive rates or new discounts that you may qualify for if you want to save as much money as possible.

By filling out a simple online form you can get the ball rolling toward a cheaper car insurance policy and with a few simple phone calls and follow up e-mails you can begin to find out just how much you might be able to save.  You aren’t willing to pay too much money for other necessities in your life and you certainly shouldn’t be willing to throw that paycheck you work so hard for away on a car insurance policy that is too expensive.  Take the initiative to get a great deal on your car insurance by investing the very modest amount of time that it takes to shop around.  By taking just a few minutes of time form your schedule you can begin taking the necessary steps to lower your car insurance premiums to a more affordable rate and drive legally with a lot more of your money in your pocket.