In the build up to Christmas women drivers may have failed to notice that one of their greatest gifts was slipping away. For years insurance for female drivers has been cheaper because women are perceived as more careful behind the wheel. Statistics do show that women cause fewer collisions than men, though the disparity evens out as they get older with virtually no difference between the sexes when they are over the age of 40. Young male drivers are more likely to drive recklessly, show off and overestimate their ability behind the wheel.
Women could use companies such as Sheila's Wheels to take advantage of a better claims history for cheaper car insurance.
Car insurance is based on a number of factors which are used to calculate your likelihood to claim. For instance, if you live in a 'bad' neighbourhood which has high levels of crime, then you will have higher insurance premiums than someone who lives in a 'good' neighbourhood with low crime. This also applies to whether you have safe off-street parking, whether you have had accidents in the past, and a multitude of other factors. However this reasoning was not necessarily applicable across the gender divide because some men are more cautious drivers than women, which was the basis of the EU judgement.
On December 21, 2012, the European Court of Justice finally ruled that this was sexist and discriminatory. For years men have paid on average about 40% more to insure their vehicles. Now women will see their premiums rise by 25%, which could work out to as much as £2,000, with the impact being greater the younger they are. Known as G Day in the industry, it will also affect their life insurance premiums.
Ian Hughes, chief executive of market research firm Consumer Intelligence, said their analysis of gender-neutral insurers shows that women are looking at a 12% increase in their policy cost. That means that insurance companies which have traditionally offered cheaper quotes for women drivers will no longer be able to do so.
Female drivers are advised to talk to their car insurance provider to find out how much their premiums will have risen by, and what they can do to save money. This also means that those looking for provisional licence insurance will be even more in need of a specialist provider which can save them hundreds of pounds on their car insurance quote.
This article was written by Robert Frische for Go Skippy Car Insurance, which is a fresh new broker dedicated to providing the best value quotes.
Article Source: http://EzineArticles.com/?expert=Robert_Rose_Frische
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