"Female Car Insurance Tips" Car insurance companies are generally “kinder” to women drivers. This is because it is statistically proven that females practice more caution on the road as compared to their male counterparts. They are also involved in car accidents which are less serious in nature since they are not aggressive on the road. So if you are a female driver and you are looking for a car insurance company to handle your needs, you have better chances of getting a lower monthly premium. Or, at the very least, you will be entitled to a discount. Here are some tips for women who are looking for a car insurance company to sign-up with: 1. Ask around or search the Internet for “women-friendly” car insurance companies. As a female driver, you are bound to get at least a 10% discount on car insurance premiums. There are even some establishments which specialize in offering car insurance services for women. Talk to other women drivers and they will surely recommend a company that will best fit your needs. 2. When talking to a broker, give them a detailed description of your driving history. If you have never been involved in a car accident and your record is clean, you can negotiate for a lower monthly insurance premium. However, if your driving history indicates an involvement in a car accident, either as a passenger or a driver, you will be offered a slightly higher amount. But you can still get the best rates possible in spite of a not-so-clean driving record. Having an overview of your driving history should also give the broker an idea of the premium insurance costs that you can get. 3. Find out about your payment options. There are companies that offer a full or biannual payment on insurance premiums. Others even offer payments that can be made on an installment basis, so you might as well check these out, too. It is not that easy to get a car insurance company especially if you are not familiar with the dealings on this industry. Just remember that when dealing with insurance brokers, specify your needs as a female driver and check out all the options that they can offer. Then you can decide which company it is that you would like to handle your car insurance needs.