Insurance companies rate risks according to statistics that are compiled over a period of time. Even though women are involved in the same amount of car accidents as men, male drivers are likely to take more risks while driving when compared to women. This is why women are usually involved in accidents that are less serious. This means it is less expensive for the insurance company to cover. Women usually drive more cautiously and they tend to drive slower.
The result of women being more cautious drivers, is that they have an option of lower insurance premiums. The more claim free and accident free years a woman is insured for will save her more money on her car insurance, since if she does have bad driving habits she could expect to pay higher rates on her car insurance.
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