Though we can argue forever about who really is the best driver: Adam or Eve, let’s talk about how you can squeeze out more savings out of your lady driver car insurance. Here are 10 tips for you to get cheaper car insurance for ladies.
- Be on your parents’ insurance at first. This is particularly useful for young drivers. Many insurance providers offer great discounts for multiple policies. Even when you’re above 25, you can stay under the umbrella of your parents’ insurance until you’re sure you can make it on your own. Just remember not to sign your parents in as your main drivers. This is called “fronting” which is illegal.
- Polish your credit rating. Believe it or not, car insurance companies look at your credit rating to determine if you qualify for coverage or for a renewal.
- Get certified. Enroll in and finish a defensive drivers’ course. In some areas, you can obtain PassPlus certification. Not only will these lower the cost of your premiums, you’ll also become a more confident and competent driver.
- Remove redundant add-ons from your policy. Most providers throw in benefits that you could be getting from any of your other insurance policies. If you’ve got good health insurance, you can remove medical add-ons from your lady driver car insurance. Furthermore, you can also decline other add-ons like emergency road side assistance, mechanical breakdown insurance or rental reimbursement.
- Compare quotes at the right place. Use the best comparison websites when shopping for quotes for cheap ladies car insurance. MoneySupermarket, GoCompare and MoneyExpert are good places to start. Some of them even offer cash backs if you compare quotes using their websites.
- Look out for cash back deals. Cash backs can get up to more than $190. Some insurance companies offer huge discounts. Aviva, for instance, can offer you a 15% discount if you purchase insurance through their website.
- Get optimal coverage. You can lower your deductibles as well as your comprehensive and collision coverage. If you own a very old car (15 years old or so, depending on the brand and model), shear down its comprehensive coverage. Reduce or remove your medical coverage, especially if you already have good health insurance.
- Protect your car. Install anti-theft security systems, GPS trackers, steering wheel locks or immobilizers to keep your car safe. Park your car in a garage or in a driveway that you close down at night.
- Protect yourself. Make sure you have functional seatbelts and airbags. Install anti-lock brakes or daytime running lights.
- Get married. Getting married for car insurance is a lame idea. But if you do tie the knot with that special someone anytime soon, be sure to let your insurance company know as soon as possible. Many people fail to do this. When you get married, you go through a lot of changes – your name, your risk level, your mileage and even the discounts you’re entitled to.
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