Women, do they really deserve cheap car insurance

It has always been a topic of debate, that who are better drivers, Men or women? In 1990, Anne French became the first women to get a driving license. The topic can never get settled but some solid facts justify the thing that women are thought to be better at driving as compared to men. On an average the total claim cost of lady drivers is less than claim cost of men drivers. They stay more cautious while driving. The insurers calculate the premium price on the basis of probability of driver filing a claim. But after the law from European Court of Judgement, insurers cannot offer different insurance policies on the basis of gender of the driver. Instead of that, insurers can use the black box option. It gets installed in the car and monitors the behaviour of the person who is driving. In this, acceleration rate, breaking, type of most used roads will be the deciding factors. By all this information, the insurance company decides whether the person is eligible for lower premium cost or not.

The type of car can also decide your premium cost. If your car group will be lower, your premium cost will also be low. The cars in lower groups are easy and more affordable to maintain.