If you are a female you can save quite a bit of money on women's car insurance. Why is that? It is because statistically women are more defensive drivers than men are. In other words, women have accidents, but statistics show that women tend to have less severe accidents. They may have more fender bender type of accidents. Women may scratch a car by turning in too close to a post or they may scrape the car because they do judge distance very well and bang up their cars a bit more.

However, the most serious accidents that involve more heavy property damage and bodily injury involve men. Obviously women are also involved in these types of accidents as well, but on a less frequent basis. Women seem to drive more defensively and take fewer chances with driving at high speeds and driving recklessly. Women also wear their seat belts a lot more than men do. This prevents serious injury for the accidents that they are involved in. Men tend to have more serious accidents while not wearing their seat belts. This obviously increases the severity of personal injuries.

Because of these statistical differences between men and women, women's car insurance rates tend to be cheaper than men's do. This is especially true when comparing rates against the rates for young single men. This is probably the group with the absolute highest car insurance rates anywhere.

You can go to many online insurance sites and enter your information and you can get a quote for cheap women's car insurance. If you want to see the difference, get a quote for insurance for a similar vehicle for a young single man. There will be quite a difference. To keep your insurance rates low, keep a good driving record. If you do, you will save even more money over time.