If you’re looking for women’s cheap car insurance and you’re single, you might feel very frustrated with the choices available. Single people pay higher insurance premiums than those who are married and the young pay more than those who are older and more experienced, safer drivers.
Although it can sometimes seem as if your car insurance bill won’t go down until you either marry or age, there are some tips that can help lower your premiums. The good news is that insurance companies consider females to be better drivers, so young single females still pay less in insurance than young single males. These tips can help your pocketbook and still make sure you have good coverage.
You might have stuck with the same insurance company since you got your driver’s license. Taking time to get quotes from other companies can significantly lower your premium as long as you have a good, safe driving record.
You can either contact companies individually or go to an auto insurance comparison site. This will let you obtain instant quotes from a number of companies so you can directly compare coverage, deductibles and many more influencing factors. In most cases, you can click through to buy insurance or contact an agent over the phone.
The better your driving record, the cheaper your insurance will be. Insurance companies often dig back 10 years when looking at your record, but a good driving history is a significant factor in lowering insurance costs.
Your driving record will include speeding violations and any other infractions, especially those involving drinking and driving. Parking tickets will not be a factor. As long as you have had no problems in the past, and continue to keep a clean driving record, your premiums will go down.
If you live in a high crime area, you’re likely to pay more for all types of insurance. In some cases, companies might even decide not to offer you coverage, although this is quite rare. Similarly, areas with high traffic pay more in car insurance than those with low traffic areas. Living in a low crime, low traffic area really can make a difference to how much you pay in car insurance.
The type of automobile you drive affects how much you pay in insurance. You’re going to pay a lot more to cover a brand new SUV than you would for a vehicle that’s now 10 years old.
By avoiding expensive new cars, you can save a large amount of money on insurance. It might not look as good but the savings will be worthwhile and you won’t worry about the occasional scrape, either.
The higher your level of education, the lower your premium. Also, if you’re in high school or college, keeping a good grade point average will help put a lid on premiums. It can be worthwhile hitting the books and doing well in tests, especially if you’re the one paying.
If your job involves a lot of driving, you’ll be considered a greater risk by insurance companies and pay more for coverage than someone who drives for commuting and pleasure purposes only. Restricting the amount of driving you do at work can also help lower your insurance bills.