Ladies are entitled to car insurance which is 20% to 30% less than their male counterparts. Insurance underwriters decide the criteria depending on statistics that state women are very cautious while driving and less likely to cause accidents. Men, on the other hand, are more prone to risk, drive at higher speeds and cause more accidents. If you as a woman are looking at car insurance, be sure to shop around for the cheapest policy, as you are eligible for several discounts.