I got an email from one of my readers one day that asked if there was really such a thing as "Female car insurance".  I had to think about it for a minute and replied....yes, I think there really is.

Why?  Females are generally better drivers than men (at least my wife thinks so), females tend to be less aggressive on the road (except MY wife) and females tend to obey traffic laws better than males...(no comment)  so YES, there really is a difference!

Ladies, when shopping around for Female car insurance consider these:

1. Get as high as  a deductible as you possibly can, this will reduce your monthly premium. Start a special savings account and make monthly deposits in this "accident fund". The money you save in premium should offset your deductible in the event you have an accident. If you have poor driving habits....make weekly deposits!
2. Make sure you have un-insured and or under-insured motorist coverage
3. Say yes to "rental car coverage" usually $30 a year and well worth it when/if you are ever in an accident and your car is in the shop for weeks!
4. Ask about a loss free discount if you have a perfect driving record
5. Consider moving other insurance policies to this same carrier. I.E. move your homeowner and health insurance to the same carrier as your auto. Usually there is a discount for doing so if your carrier offers other coverage's besides auto.

I highly recommend getting a free no obligation online rate comparison quote from Comparison Market using the form above. I really like this company and their offer some great rates with great companies.