Car Insurance for Young Female Drivers
There’s no escaping the fact that car insurance for young drivers is more expensive than car insurance for older, more experienced drivers and it’s not just down to your age. Young drivers are new to driving and have little on the road experience. After passing your test, the first 2 years of driving are when you most likely to have an accident. This creates a higher risk to insurance companies which is why you have to pay more for your motor insurance.
But don’t worry girls, there is some good news for young women drivers! Even though you are unlikely to find quotes as cheap as some older drivers, you might benefit more than young male drivers.
Female drivers, in general, pose less of a risk to insurance companies than men; insurers offer cheaper premiums and special benefits just waiting for women to take full advantage of! Quotes4Women compares motor insurance from a panel of these UK insurers, specialising in insuring ladies, and with just one quote you can compare their prices.
So what else can young female drivers do to make car insurance more affordable?
Pass Plus
If you’ve recently passed your driving test it might be worth considering taking a Pass Plus course. Some insurers offer a discount to younger drivers who have it, reducing your quotes therefore saving you money.
Pass Plus is a series of extra lessons young drivers can take after they’ve passed their test. Lessons include driving at night, on the motorway and can also gives you the opportunity to drive in different weather conditions.
Quotes4Women have teamed up with a number of insurers, many of which offer a ‘pass plus discount’. Combine this with the advantage of being a women driver and you will see the difference in your quotes when comparing insurance with Quotes4Women.
Start Building your No Claims Discount
Being a new driver, you might be tempted to take out car insurance in your parents’ name. Ladies, don’t do it! Not only could your policy be invalid if you need to claim but the quicker you build up your no claims discount, the quicker you’ll see your car insurance quotes drop in price. Some insurers offer nearly a 50% discount to young drivers with only 1 year no claims discount – think of all the shopping you could do with the extra cash!
Choose the Right Car
The cost of your insurance is all to do with the risk you pose to the insurance company. This can be down to your age, sex, postcode, number of claims or even the car you choose to insure.
Being a young female driver you are already a higher risk to insurers based on your lack of on the road driving experience. If the first car you buy has a huge, powerful engine, it will increase your risk to insurers even more which will only reduce the amount of cheap quotes available to you.
Choose a car with a smaller engine and you’ll not only improve your chances of saving money on your motor insurance but the cost of running it should be cheaper, leaving you with more money to spend on you!
