If you’re a female driver, you may be paying too much for your car insurance. That’s because women are considered lower risk than men. In 2006, for example, twice as many men as women died in car accidents. In general, men are simply more likely to be involved in car or drinking and driving accidents.

Unfortunately, you may not get the discount car insurance you deserve.

car insurance for women

One way to get cheap car insurance if you are a woman is to go to an insurance company for women only. These companies aren’t available everywhere, but if you choose to go through an insurance broker, they may be able to connect you with a trusted source for lower-priced policies.

Now, if you choose a women-only policy, you must realize that the coverage will only be extended to you. If you have a spouse or child who is also a driver, they will not be eligible for protection under the policy. That means allowing them to drive the vehicle could leave you vulnerable to financial risk.

These auto insurance policies are a good option if you are a single woman or if you have a car that only you drive. There may be other factors that will influence your rates, but if you work with an online car insurance broker, he or she can help you determine the best option for your needs.

Other ways to lower your premiums

You’d be surprised that just by asking for better prices you can get a more reasonable deal. Agents sometimes don’t realize how much their potential customers know, so be sure to ask if the price you’re quoted includes a female driver discount.

Another way to keep your car insurance costs low is to insure yourself on the most expensive car. Let your husband or boyfriend insure the car that will cost less or only require liability coverage. That will save you a considerable amount of money.

As you age or have other lifestyle changes, your rates will also decrease. For example, if she gets married, her rates should be lowered along with her new husband’s. As you age, your insurance rates will also drop because older drivers (up to a point) are considered less of a risk than younger ones.

Finally, if you need to lower your rates further, you may want to consider raising your deductible. Raising your deductible to $1,000 can actually cut your premiums in half sometimes. However, you must weigh the risks and benefits of this decision. While you may save money on premiums, you will have to pay more out of pocket in the event of an accident.

Of course, the best way to keep your car insurance rates low, whether you’re a man or a woman, is to maintain a clean driving record. Those tickets and accidents will send your costs skyrocketing, regardless of your gender.