Car insurance form a critical part of anybody’s household expenses. Lowering the budget of car insurance may directly benefit you to enhance your savings or to use it for other purpose. In some of the countries, car insurance is mandatory; hence, finding the right insurer with minimal costs becomes all the more important. Proper research may not only help you to reduce the insurance premiums, but also in getting the maximum benefits, thereby, getting cheap car insurance for ladies. There are many factors which decide the insurance premiums of a vehicle; one factor being the gender. Women drivers are treated differently than their men counterparts.
To attract ladies to subscribe to their car insurance, either renew them or buy new, there are various offers provided to them. This is a win-win situation for both the insurance companies and the ladies. Generally, the amount of claims processed by the ladies driver is much less compared to the gents. Due to this, insurance companies charge lesser premium to them or provide much more additional services at an extra premium (this varies from one company to another). The legal cover provided to these drivers gets extended to even an amount which is much higher than others. Additionally, third party and personal injury coverage is also higher.
Some of the unique offers provided are courtesy car, where a car will be provided by the insurance companies when the insured car is in the garage for repairs, Child Car seat cover to protect the children’s accessories, handbag cover which protects the contents of your bag, 24 hours emergency helpline, and hassle free claim service. Some other benefits provided to the ladies driver include premium protector which is useful when the insured gets hospitalized or loses source of income, hire car cover where a car will be provided to the insured’s home of office in case of emergency, key care cover where the insured’s all types of keys are covered.
A unique feature of the ladies policies is the coverage of no claim bonus. The no claim bonus is not only provided to the named person but also to the persons who are driving the cars. Person insuring the vehicle also get a chance to pay the premiums in monthly installments rather than in bulk. There are many insurance companies which provide cheap car insurance for ladies. A search in any of the standard search websites help in getting the best rates for car insurance. The rates vary from one country to another and from company to company. Few of the insurance companies charge very less premiums to the insured parties, but the users might not receive the same benefits/features which are normally offered in ladies policies. The persons insuring the car need to take a judgment while renewing the policies. If the usage of the car is minimal, then they may go for a normal policy, and if the usage is more then, it is advisable to pay a little extra to buy a good featured policy.