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In the past, it was easier for women to find cheap deals on their car insurance than for men. That’s no longer the case as European law made it illegal for insurance providers to use gender as a basis to calculate insurance. But fear not. It’s still possible to save money on car insurance for women by shopping around.
The European Court of Justices’s gender ruling came into effect in December 2012 and had a huge impact on car insurance for women. It meant that insurance providers were prohibited from taking gender into account when calculating the cost of car insurance premiums. As a result, the cost of women’s car insurance rose quite dramatically as providers had to even out prices in relation to the premiums paid by men. So, even though women are statistically deemed to be safer drivers than men, these statistics can no longer be taken into account when calculating car insurance for women. However, factors considered include:
This means that experienced women drivers with a good driving record can still get a great deal on their car insurance.
There’s three types of car insurance cover available. The one that’s right for you will depend on your personal circumstances:
It’s important when choosing, to read each policy carefully to ensure you choose one that offers the right cover for you. Don’t assume that third party is always the cheapest.
Although not usually included as standard, you may also want to consider if the following optional extras may be valuable to you and worth paying slightly more for:
There’s a number of things you can do to help lower the cost of women’s car insurance. Increase your voluntary excess This might result in a cheaper monthly premium. Just make sure you can afford the voluntary excess on top of the compulsory excess set by your insurance provider if you need to make a claim. Pay upfront Pay for your insurance in one go if possible. Although monthly repayments may seem a convenient way of spreading the costs, you may be charged monthly interest on the instalments. Our quote page allows you to calculate the difference between the two payment options to help you decide which is right for you. Reduce your mileage Limiting the amount of miles you drive could reduce your risk of having an accident and therefore lower the cost of your car insurance. You insurance provider will ask for a maximum annual mileage, so set this a low as you realistically can.
Improve your car’s security Fitting an approved alarm or immobiliser may deter potential car thieves and possibly reduce your car insurance. Speak to your insurance provider beforehand to see if they offer a security discount. Consider telematics insurance Black box, also known as telematics insurance could be a good idea for women as they’re often considered to be safer drivers. A small device is installed in your car, or you can download an app to your phone, which tells your insurance provider how you’re driving. If you drive safely you may be rewarded with cheaper monthly premiums. Shop around Shopping around could also save you money. Comparing quotes with us is not only quick and easy, but could save you up to £274.51** on your car insurance. **Based on Online independent research by Consumer Intelligence during May 2018, 50% of customers could save up to £274.51 on their car insurance premium.
Our car insurance comparison service is the perfect place to start. We independently compare more than 100 of the UK’s most trusted car insurance providers to find the right deal for you. You can rely on the experience we have – we've insured 1,728,490 women drivers between 01/07/2017 and 30/06/2018. It only takes a few minutes to enter your details. We’ll then show you policies based on price, cover level, add-ons, and annual or monthly payment options, helping you to choose the right policy to suit your particular needs.