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The majority of men drivers may have sometimes muttered the phrase “women drivers”. You might be among those who typically have said it at least once. Male drivers believe they are the best and grunt on women drivers who are supposedly bad, careless and too slow. The truth is far from that. However according to some insurance providers women as seen as the safer driver as they typically make fewer serious claims on their insurance policy. Next time you are going to think of saying some sexist phrase, think twice; Why is Car Insurance Cheaper for Women? So why do insurance providers typically offer women cheaper car insurance?

Statistics show that only 20% of car accidents are women’s fault. Statistical facts make the insurance companies offer women much lower premiums than to male drivers. Of course, since insurance companies check and double check everything before deciding who is the most capable driver and who deserves better rates, the fact that women are generally offered lower prices means something. Of course this may not stop men drivers from calling women the worst drivers. Women can drive and they drive better than men.

Researches over years prove that women do not get involved in many accidents; if they do they are usually minor ones with minimum damages. Men tend to cause or get involved in more serious events and typically are involved inusually in the 90% of fatal accidents. Men have also been typically noted to be involved in motoring offenses such as speeding which means points on their license and higher insurance premiums. By default, men get more tickets than women while driving. A funny fact is that in general women get their driver’s license much faster than men, passing their exams on the first attempt.

Since women are usually not considered drivers of high risk – generally speaking of course – the majority of car insurance companies offer them cheaper premiums for their insurance than to male drivers. As women are generally offered cheaper insurance quotes there are anything but the weaker of the two sexes. Women are offered better premiums because they deserve them and because the statistics stand by them.

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You may think there’s not much point shopping around for hire car insurance cover when you can get everything you need from the car hire companies.

You may be right – but only if you don’t mind the fact that you may be paying out more than you perhaps have to.

The basics

There are typically two main elements of car hire insurance protection.

One part of the insurance includes insurance that may come when you rent the car. This as a rule includes:

l third party cover to protect you from claims from others that they have been injured or their property damaged by your use of the hire car;

l collision damage waiver which generally covers damage to the car itself or its theft.

In some parts of the world this may be a requirement.

The extras

Then there are the optional extras to fill the gaps left by the basic insurance protection This may give insurance for such as:

l insurance protection for the excess which is the amount of any claim that you could be responsible for paying

l top-up to include the parts of the car typically excluded from collision damage waiver cover (windscreen, glass, tyres and under-body etc).

It’s typically with these extra areas of cover, that it cover be worthwhile shopping around for..

The options

There are a number of online providers of hire car insurance whose products may be a cheaper alternative to the optional or top-up insurance offered be the car hire companies.

It’s not just a question of opting for a cheaper solution, which offers less in the way of protection either.

If you have a look at the products offered, you may find that they typically provide a wider level of cover and a number of other attractive features as well.

Examples of this are:

l no extra fees or charges for additional named drivers;

l the option for an annual policy that you can use again and again within a 12 month period;

l insurance protection for typically excluded parts at no additional cost.

As with anything in this world you may be able to save money if you look around. Hire car protection is no different, so why not give yourself some choice? Also, when shopping around, do note that your cover will be subject to policy limitations, exclusions within the terms and conditions.

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If you are the proud owner of a classic American car then you need classic American insurance that protects all aspects of your pride and joy. However, when it comes to finding an insurer for your classic car that is willing to provide insurance for American cars you may struggle. In order to get the best insurance for your needs you may want to concentrate on looking for cover with a specialist provider.

If you have made alternations to your classic car then you may have spent many thousands of pounds on the vehicle. Many owners of classic cars make improvements to their car if they intend showing their car Modifications of course mean that your vehicle will be worth a great deal more than it was originally so you may want to ensure the provider gives you agreed values. With agreed values, your vehicle is valued and is insured for what it is actually worth. If your car was written off, you do not face a loss

During the times you are modifying your car it will be laid up of course. With this in mind you may wish to check that the insuranceprotection covers times when your vehicle is laid up.

Some owners of classic American cars only use their vehicle when attending shows and rallies.If you are one of these owners, you may wish to consider taking out limited mileage insurance Limited mileage cover means that you insure your vehicle for driving up to so many miles each year. Providing you keep under this mileage limit your American classic car is protected, and you may save on your insurance premiums.

One of the ways you to may be able to get a discount when choosing classic American insurance for your vehicle is by becoming a member of an owners club. Along with being able to get a reduction in the cost of your premiums, you also benefit from interaction with other hobbyists. If you boost up the security of your classic car this may also help you to save on the cost of your insurance. Keeping it locked up in a garage when not in use, installing a good quality alarm, immobiliser or tracking device may help to bring down the premiums.