Car insurance is something that every car owner should have, without it you will be unable to obtain car tax and will therefore be driving a car illegally.

Everyone jokes about women drivers so are women drivers penalised when it comes to taking out car insurance? The answer is no, over the past few years insurance companies have jumped on the band wagon and actually turned this theory upside down, more often that not insurance companies are now aiming to attract women drivers offering them lower car insurance quotes simply because of their gender.

Also the jokes that we have all heard imply that women are not the best drivers insurance companies think otherwise, they consider women to be safer drivers and statistics show that claims that have been associated with a man cost the insurance company far more that when a woman makes a claim.

The reduction in women's car insurance is not just because of the cost of the claims it is also down the the type of cars women drive. Women tend to stick with a car that has a smaller engine and men go for something that is usually bigger and more sporty which would undoubtedly cost the insurance company more to repair the vehicle or offer a settlement figure if a claim was to be made.

When looking for car insurance for a woman you may find that you are offered extra cover such as breakdown cover, this is usually offered at a considerably lower rate when purchasing it alongside your car insurance and well worth considering if you are a woman that travels alone or with children.

Although companies aimed at women drivers will offer a lower insurance there are some factors that can affect the price, these will include:- Age - generally younger drivers are more likely to make a claim on their insurance so insurance companies will increase the price to cover their costs, it may be worth being a named driver on your parents car insurance policy for a while to reduce this cost.

Car Security - Keeping your car in a locked garage will help to reduce the cost of your car insurance because your vehicle is less likely to be vandalised and you are more likely to avoid the vehicle being stolen. Installing other safety aspects such as steering wheel locks, alarms and immobilisers will also reduce the risk of damage or theft and in turn your insurance premium should be reduced accordingly.

Previous Claims - If you have made several claims on your car insurance then this will affect your policy as you would be considered a higher risk. If the work that needs to be carried out on your vehicle can be done without making a claim this is always the best option as you're no claims bonus will not be affected and you would not have to pay any excess.

Generally speaking keeping a clean driving record will mean you are eligible for cheaper car insurance. Always obtain several quotes before you decide which policy suits you best.

Allen Jesson writes for several sites that specialize in Loans Finance & Insurance, Debt Consolidation and Refinancing