While there may still be many areas in today's world where women still receive less favorable treatment than men, this definitely does not hold true when evaluating car insurance for women. In fact, many companies that offer car insurance for women not only prefer to insure females, but they also provide many cost savings and discounts to attract new clients. Most consumers have come to realize that car insurance for women is often cheaper than the same policy for men, but few individuals truly understand why.

Although it is true that females are often involved in a higher number of accidents than men, the simple truth is that the majority of the collisions are considered to be minor in nature and rarely cost the insurer much at all. Most automobile wrecks that are classified as serious predominately involve males. Major accidents that result in property damage and serious injuries are the most costly to insurance companies, so it only makes sense that providing car insurance for women is considered to be less risky.

It is no secret that insurance companies prefer to work with clients that have a good credit score simply because studies have proven that individuals with lower credit scores are much more likely to file claims. Women statistically have better credit scores than men do; so many insurance companies consider them to be lower risk.

When it comes to filing claims, most insurers report that the overwhelming majority of claims involving theft or property damage are filed by male drivers. While it may be difficult to determine exactly why this phenomenon prevails, it is enough for insurance companies to prefer women over men.

Women may not be treated the same as men in many instances, but car insurance is definitely one area in which the differential treatment pays off. The good news is that it is quite simple to obtain a free quote and there are plenty of companies that pride themselves on offering cheap car insurance for women.