There is a common misconception out there that women are poor drivers compared to men. If this is true then why is car insurance more expensive for men than for women? In reality, women are actually safer drivers than men, resulting in less risk on the road and therefore less risk to insurers. Car insurance companies actually want to sell coverage to women over men. Statistically, most women drive smaller, less costly cars at lower speeds and for less time, meaning that the amount and cost of insurance claims is much lower for them.

Women have built up a reputation as careful drivers, which appeals to car insurance companies. Aside from being a careful driver, there are also many other discounts available to women. By taking driver education courses, buying a safe and reliable car, and by maintaining a clean driving record you can make car insurance very affordable. When considering insurance policies, also ask yourself, "How much coverage do I need?" Depending on your lifestyle you may drive more or less than is expected, so be sure to purchase a car insurance plan that fits your needs. By taking advantage of all of the discounts available, car insurance can be very inexpensive.