FEMALE CAR INSURANCE TIPS

Statistically speaking females have fewer accidents, lower claims and even if they are engaged in an accident the extent of damage is low when compared to men. This happens to be the main reason why females are awarded discounts on the car insurance policies. But there are several discounts you can club with your existing low premiums to and implement them before filing for a policy or a premium renewal.

• Drive safely. Statistics prove that females are safer drivers than men; but you will not get any sort of discount if you are a reckless female driver with a poor driving record. An excellent driving record can do wonders for you as well as your insurance policy. If you do not have any claims and are not involved in any accident you can avail more bonuses for your safe driving record.

• Safety and security devices need to be mentioned to the insurer. If your vehicle is equipped with immobilizers, security alarms, GPS locators, airbags or any other devices please mention it in your form.
• Your martial status and your age can give you further discounts. If you are a senior citizen, doctor, engineer, or are a teacher you may get added discounts as some insurers do give discounts to senior citizens and certain professions.
• Park your car in the garage, if you have one and mention this to the insurer’s agent.
• Maintain a low mileage. Walk wherever possible. It can save you some money.
• If you have multiple cars, consult the insurers company and settle for a good deal by clubbing your cars under a single umbrella of the same insurance company.
• Try tying up your home insurance, health insurance and car insurance under the same insurer.
• If you are a young driver, try adding your name with your parent’s policy as your parents can avail a discount.
• Check the excess before signing on the dotted line. If you’re excess is more you will end up paying a huge amount from your pocket in case of a claim.
• A few insurance companies send you a courtesy car at no extra cost if you have to keep your car for repairs.
• A no claims discount can help you later on in life as companies do give a 65% No Claims Discount which a tremendous discount on your policy.
• Choose a company with a good reputation who is known to handle customer services efficiently and quickly.
• Compare different company quotes online before settling for your car insurance policy. You can shop online for quotes. Make sure you compare the benefits and coverage too. If you are in doubt, ask for any clarifications. There are many car insurance calculator sites that offer free quotes online. Just get into a site that offers free ladies car insurances to compare and click on the “request a quote” button for the latest quote for your car.