Sorry, men, but whether you like or not, insurance companies prefer women over men. This means that women have more chances of paying lower premiums and getting more affordable car insurance than their counterparts. This is for the reason that women are, according to the files and records of insurance companies, less likely to commit traffic violations such as over-speeding, less likely to collide with other vehicles, and are more observant of street signs. In other words, women are safer drivers than men, especially middle-aged married women, according to these statistics. In any case, this may be because there are, statistically speaking, more male drivers than females.

So being a woman does have its benefits, even on the road. You just need to follow a few simple steps.

The first thing to do is to prepare your answers for the insurance agent / adjustor’s questions. The insurance adjustor will ask you questions such as how far you will be driving, where, and how many miles you will be driving. Realistically speaking, you can never know this since emergencies may crop up and whatnot, so make a minimum estimate of how many miles you might be driving based on the places and things you might be doing that year. Do not give the adjustor a large estimate, so you won’t have to pay more for miles you might not be driving in the first place.

By default of your gender, you have earned the right to ask for discounts – so ask! This is the second step women must gladly take advantage of. Do not hesitate to do so. You can have more discounts if you are a student with exemplary grades and academic performance, if you have so far not committed any road violation, and if your car contains safety features, even a GPS. As much as 15% can be slashed off assuming your car has at most nine safety features and they are all accounted for. Ask for packages the companies might be offering. Some companies offer discount packages such as additional courtesy cars, handbags, or child seat covers for mothers.

Companies may offer discounts for women in different categories. These categories may be (1) female learner drivers, (2) new female drivers, (2) female drivers under the age of 25, and (4) female drivers aged 50 and above. Figure in what category you belong to, since they have corresponding discounts for these corresponding categories. Moreover, there are also specific tricks for availing of discounts depending on which category you belong to. If you are a woman under 25, for example, adding an older male to your policy will send a better message to the insurer and will increase you chances of paying for lower premiums.

The next step is to compare, compare, compare! Fortunately, this is not difficult to do since the internet abounds with websites of companies offering car insurance discounts specifically for women. Jot down prospective company offers. List them down according to the price ranges. This would increase your chances of getting low cost car insurance.