3 Things You Should Know About Car Insurance For Female Drivers

As a young female driver, having car insurance is a necessity. Whether you have just purchased your first car or you are replacing your old one, choosing car insurance can seem like a daunting task. How do you know it’s the right one? What type of coverage will you need? How much will the car insurance cost?

Here are 3 things you should know about car insurance for female drivers.

  1. The Type Of Insurance coverage Will Impact Your Premiums

When choosing car insurance, it is important to find out which coverage is available to you as a female driver. Women are generally considered to be careful drivers. Statistics show that women are least likely to cause accidents due to drunk driving and they also have fewer traffic violations. It is for these reasons that insurance companies consider female drivers a better risk.

When looking for car insurance as a young female driver, you are in a good position. Start by looking for insurance that will suit your driving needs and is friendly to your pocket.  If you opt for comprehensive car insurance, damage to your car will be covered as well as the other person’s vehicle if you are the one at fault.

This cover also comes with other benefits such as a hire car to keep you moving while yours is being fixed and emergency accommodation and transport if you get an accident far away from home. Though a bit costly, it is the best insurance for your car.

A third party fire and theft cover will only cover the other persons’ car if you are at fault and will only cover your car if it is stolen or destroyed by fire.

The Personal Injury Protection (PIP) will cover your medical expenses and the other people who were in the car with you at the time of the accident. This cover can also take care of your children during your time of recuperation.  

  1. The Type Of Car You Drive Will Affect The Car Insurance Rates

Driving a sports car or a brand new Mercedes Benz can be a lot of fun. However, luxury and sports cars cost a lot more to insure as compared to the economy cars and the sedans. This is because luxury cars cost more to fix and in the event, your car gets stolen, the insurance company will incur a high cost to replace it. Very fast cars are also associated with risky behavior and their premiums could be a bit higher.

Ensure that you understand your policy. Ask questions. Compare quotes from various insurance companies before making your purchase. This will help you keep your car insurance affordable. A cheap SR22 that will already save you from the aftermath of a road accident is much better than getting a premium plan for the bare minimum.

  1. You Can Renew Your Car Insurance Online

Technology has made life easier. As a female driver, you want to avoid the hassle of paperwork by taking your insurance on the go. If you are involved in an accident, call your insurance company immediately. Take photos of the damage and send them using your phone to the insurer. Your insurer can also send you the forms online or you could download them on your mobile phone if you have the insurance app. This makes the insurance process very easy and convenient.


There you go 3 things you should know about car insurance for female drivers.  For affordable car insurance for 18 year old female drivers, go to surebuycarinsurance.com and get the best rates to suit your budget.   

Adam Hansen

Adam is a part time journalist, entrepreneur, investor and father.