It would be surprising for many people to know that women drivers pay less than half of their male counterparts when it comes to shelling out money for their car insurance. While many women feel that this is chiefly because of the fact that women control wheels better than men, there are several other reasons that are regarded as main factors behind such a trend.

Insurance companies determine the car insurance quotes on the basis of actual tangible reasons and trends. One of the most visible and crucial trends for companies offering car insurance quotes is the fact that women drivers generally make less expensive car insurance claims when compared to the male drivers. In addition, statistics have proven that women drivers are more cautious while driving and take better care of their vehicles. Significantly, road accidents have a history of occurring more frequently whenever a male driver is involved. Although this may sound a little bizarre, the fact is that this has been confirmed on the basis of official facts and figures obtained from reputed sources. It has been seen that women pay lesser speeding fines and similar penalties, which makes it viable for insurance companies to keep the car insurance quotes for women drivers lower.

Mileage, a key determinant in fixing car insurance premium also has a crucial role to play while deciding the actual car insurance quotes for women drivers. Statistics reveal that the mileage in a woman drivers case is markedly lower than a male driver.

Due to the factors mentioned above, it is sometimes seen that male drivers try to use the prevailing trend in car insurance quotes to their advantage. Considering that female drivers pay a lesser insurance premium amount to their respective insurance company, some men tend to piggyback on their female partners insurance policy and take advantage of the low car insurance quotes. It is therefore not very rare to find a man becoming the named driver on a female drivers insurance policy and reap benefits from the low premium amounts. On other occasions, it has been seen that men include their female partner to their respective insurance cover and considerably lower the size of their premium amounts as well.

Although women drivers are in a win-win situation at present, many insurance experts, particularly those specialising in car insurance quotes opine that the smooth sailing may not continue for a very long time. This would be mainly due to the prevalence of rash driving in women. In recent times, road accidents involving women drivers have gone up considerably and the trend is not common to any particular age group. Instances of drunken driving are also on a steady rise. Moreover, with an increasing number of women buying cars for everyday uses, their mileage is also increasing at a swift pace. This is prompting many insurance experts to project a bleak outlook for low car insurance quotes for women in the coming days. However, as long as women drive safely and have official figures to substantiate insurance companies will continue to offer car insurance quotes at low levels.