Women drivers are well known for their well, it really depends on the perspective you are looking at them from. If you are a male driver that has an unbelievable need to put your foot down then they are nothing but a nuisance. However, if you happen to be a car insurer then you will probably be more than happy to offer them car insurance at a cheaper rate than you would a man of the same age, driving experience and make and model of car. Womens car insurance is a big sector of the insurance industry at the minute and there are plenty of reasons why.

Before looking at those reasons, it is important to check out just how much of a difference there can be between a male and female car insurance quote. Mr Bickley and his wife, Mrs Bickley, obtained quotes online for their brand new Ford Focus.

They are both aged 29, with Mrs Bickley being older by three months. They live in a rural, low crime area and have a secure garage attached to their home. The only difference, apart from gender, is the fact that Mr Bickley had 4 years no claims bonus instead of the 3 that Mrs Bickley had.

To find the best deals, they both got separate quotes from two insurers – CIS and E-Sure. When both obtained the car insurance quotes, they found that Mrs Bickley would have to pay 107 less than her husband despite the fact that she had a years less no claims bonus!

Women receive lower car insurance quotes than men because they tend to have fewer serious accidents than men. In fact, they statistically have fewer accidents in general, and fewer claims as a result. Fewer claims ultimately mean that the individual insurer is far less likely to have to pay out high amounts and thus have a greater profit. This profit is passed on to the woman in the form of a discount!

Men tend to drive far more quickly on the roads than women and do get pulled up by the police for driving offences more. Men also apparently have a lower concentration level and so are more likely to get distracted by something as they are driving.

Men also tend to buy more powerful cars. According to some insurers, women are more likely to choose a car out of practicality rather than aesthetic appeal, which is completely the opposite of their male peers! The parts for faster cars and those more likely to be stolen are more expensive and thus so are the insurance premiums!

Womens car insurance can also be found for a cheaper overall price because there are specialist providers for the female drivers out there. These insurers are exclusive. As such, women get more affordable cover over their male counterparts.