It is almost certain that you have heard the phrase “women drivers”. You might be among those who typically have said it at least once. Men often use this phrase for instance when they get stuck behind a women driver. The truth is far from that. However according to some insurance providers women as seen as the safer driver as they typically make fewer serious claims on their insurance policy. Next time you are going to think of saying some sexist phrase, think twice; Why is Car Insurance Cheaper for Women? What is that you don’t know? What makes insurance companies offer cheap car insurance Northern Ireland to women?

Statistics show that only 20% of car claims on insurance are women’s fault. Statistics like this mean that the women driver is the safer on the road which leads to typical cheaper premiums. Of course, since insurance companies check and double check everything before deciding who is the most capable driver and who deserves better rates, the fact that women are typically offered lower prices means something. Of course this may not stop men drivers from calling women the worst drivers. Women can drive and they are typically able to drive better than men.

However that is not to say that women do not have accident, just that the accidents they typically have are minor ones. Men tend to cause or get involved in more serious events and usually in the 90% of fatal accidents. Moreover, men are more prone to auto crimes than women and break the law more often than women do. By default, men usually collect more tickets than women while driving. A funny fact is that in general women get their driver’s license much faster than men, passing their exams on the first attempt.

Since women are typically not considered drivers of high risk - generally speaking of course – the majority of car insurance companies offer them cheaper quotes than to male drivers. These cheaper rates have nothing to do with the fact that women are the so called “weaker” sex. Women are usually offered better premiums because they deserve them and because the statistics stand by them.