Womens Car Insurance

Women have unique requirements when they start searching for car insurance. They are typically on the road more than men, both for personal and work-related errands, as well as picking up children and dropping them off. While car insurance for women is generally cheaper and more affordable than that for men or young drivers in general, it is always possible to bring the costs down a bit more. Though most companies do not advertise policies as being made specifically for women, there are many benefits that you can choose that will fit your car and lifestyle. Unless you happen to be in the market for insurance on a specialty vehicle, such as a sports car or grey import, it is easiest to purchase your policy through a regular UK car insurance provider.

Types of Insurance Available

You can make the best decisions if you know what types of insurance policies are available to you. You might even be able to get better premiums, depending on the kind of policy that you want. There are generally three basic policies that are offered to clients: third party, third party fire and theft, and fully comprehensive. Additions and various optional benefits can be added to these policies, but underneath, these three are the fundamentals.

Third Party

Also called third party only insurance, this option is the minimum amount of insurance that is required under UK laws. It is also the cheapest policy option, making it the go-to insurance for most young drivers when first buying their own cars. Third party covers a car owner’s liability for injuries to passengers in his or her car, towing charges in the event of an accident or breakdown, and damage to property. It does not pay for accidental damage to your car, though. This means that, if you are at fault in an accident, you will have to pay for any necessary repairs out of your own pocket. Third party also does not provide car replacement in the event that your car is stolen.

Third Party Fire and Theft

This option has two benefits more than a simple third party policy – it covers in case of theft or fire damage to your vehicle. While the rest of the coverage benefits are the same, it has a replacement benefit that will replace your car with an equal model. Third party fire and theft is still affordable, making it a great option for anyone who is unable to allocate a large portion of their budget to insurance premiums.

Fully Comprehensive

Fully comprehensive insurance policies are the most expensive of the three types because it has the widest coverage and the most available features. Searching for affordable insurance doesn’t mean you have to settle for a policy that will not cover everything that you need it to. Fully comprehensive is a wonderful option for car insurance for women because in addition to paying for damage caused to other cars in an accident, no matter who is to blame, it also covers fire, theft, medical costs, and repair or damage on person effects. Fully comprehensive policies also feature optional coverage benefits, such as breakdown coverage and legal expenses.

Optional Coverage

While options can increase your premiums, breakdown coverage and legal expenses can give you a great deal of peace of mind. Legal expense coverage will pay for any legal expenses that are incurred as a result of an accident. Some companies include this with their policies, but it is important to ask about it, anyway. Legal coverage often has an upper limit as to what the company is willing to pay – inquire about this limit before you buy the coverage. It might be worth the addition to your premium, but it also may not, depending on company guidelines. If you have teenage drivers, you might also consider asking about extra driver coverage that will keep your teen and your car safe when both are out of your sight.

Price Comparisons

No matter which insurance policy and options you choose to include with your coverage, it is important to look beyond your local insurance car offices. You can find great deals on car insurance for women by doing some quick online comparison searches. With just a bit of personal information, you can receive quotes within moments. By utilising more than one comparison website, you can find hundreds of car insurance quotes to choose from. Try searching for more than just the major insurance companies. You can often find great prices through smaller companies. Take care when looking at cheap policies, though. Just because a quote is the lowest does not mean it fits your needs. Look into the coverage that it is offering before you purchase the policy and compare it to other offers. Remember that not all insurance policies, nor companies, are made equally. The policy that you find with one company might be far less expensive with another while featuring the very same benefits. While car insurance for women is not that different from policies made for other purposes, you can usually find coverage for just the price that you need.