On most insurers' list of items, there was never a high regard given to the subject of low-priced car insurance for female drivers until the past ten years or so ago. At present, several excellent deals for motor insurance can be enjoyed by women who know how to shop around and get the best rates for deals.

In certain areas of the lives of women, discrimination may still be present until now. But certainly, the cost of car insurance for women is an exemption to this. Compared to the premiums paid by male drivers, female drivers enjoy a much lower car insurance rate up for those about 45 years of age. From then on, car insurance rates tend to level off for both men and women.

Because women are less likely to be involved in costly accidents like scrapes, bumps and prangs, they can usually get car insurance at cheaper rates. Based on statistics, women are a lower risk group by a long way than men. There are other legitimate reasons why women enjoy lower rates compared to men such as the following:

• Female drivers have a tendency of driving shorter distances and they are more careful and slow in driving.
  
  
• Male drivers are accountable of all convictions of driving dangerously by 98%.
  
  
• 92% of driving offenses are caused by men based on government records.
  
  
• When female drivers are involved in accidents, they are less grave compared to accidents where male drivers are involved. So even if the number of accidents caused by women is almost equal to that of their male counterparts, they have better overall claims experience.
  

For all these reasons and some more, better rates are offered to women thus creating a world apart for male and female drivers. Insurance companies are giving different implications basing on the proven statistics of the severity of accidents where male or female drivers are involved.

In order to get car insurance premiums at the lowest possible rates, women drivers can follow these few tips:

• Think about a car which is in a low insurance group or something which has a small engine.
  
• Rather than piggybacking on your parents' car insurance, take out your own cover even if you have just passed your test. A much quicker no-claims bonus can be built this way and you costs could be lowered by up to 30% in the second year.
  
• Modifications like racing exhausts, extra spoilers or alloy wheels should be avoided as much as possible.
  
• To help minimize your premiums, you can set-up extra features for security like immobilizers and locks.
  
• You can try to find policies offering discounted rates for lower mileage if you are an occasional driver. Getting quotes from insurance companies specializing in covers for women drivers is also worth a try.
  
• Steer clear of including your children on your policy if you are an older driver.
  

On the whole, providers for insurance have based their calculations of rates on demographics for their drivers. Since women belong to the lower accident rate group, they get to enjoy lower charges on their premiums