In the eyes of an insurer, both men and women above or below the age of 30 are equally prone to causing road accidents. The insurance companies believe this because both men and women tend to drive at much higher speed than 30 the mph restriction. Of course, not always can the driver be blamed for the accident. There can be several other factors too, one of them being poor weather.
However those who are below the age of 30 have been found to cause more accidents. Studies reveal that while men below the age of 30 are perpetually rash drivers, women are interestingly, just the opposite. Younger women are more cautious on the road, they are known to go by the traffic rules, and think twice before stepping on the gas. It is precisely for these reasons that women only car insurance costs less for all women under 30.
Of course this is great for all those women who are less than 30 years of age. If the insurance companies are charging less from them in premium, all they have to do is just prove their age, and they will be able to save money. With males however, and also with women above 30, the story is completely different though.
How Women Only Car Insurance Differs
The cost is not the only factor – there are others too.
Ladies only car insurance covers many other risks that are denied to their male counterparts. Keeping in mind the hazards of a breakdown in the middle of the road when suffered by a female driver, many insurance companies are providing a 24-hour towing and roadside assistance for their women policy holders, while some even go to the extent of offering special courtesy service by finding a safe and suitable accommodation for the female driver in case the breakdown is in a desolate place at night.
In a standard car insurance for women only policy, there is comprehensive theft protection coverage as well that looks after theft of some valuables that are inadvertently left by women drivers. Some insurance companies are so considerate about their women policy holders that, they provide a free rental vehicle for the distressed woman driver as well, if her car develops roadside trouble.
So it can be concluded that the insurance companies are extremely keen to help all those women in dire need of support. Womens car insurance policies are a real boon to the women drivers of today.