Girls, you're in luck. Because you're female you can get up to 30 percent less on your car insurance premiums than the guys in the UK.

In depth studies have shown that women tend to be a better risk for insurance companies in a number of areas, resulting in a myriad of specialised insurance companies focusing only on women now appearing on the market. This means that cheap car insurance for girls is much easier to find.

Many of these insurance companies are offering a great deal of wonderful perks on the insurance policies they give out to women. Here are some of the perks you could expect:

1) Female friendly repair staff

Mechanics and repairing business are well known to be little female unfriendly. Firstly, mechanics often try and take advantage of women who have less knowledge about cars and how they work (arguably, modern men don't really know that much either about cars). Not to mention the sexist remarks that a women may be the victim of if they get their car repaired at any mechanic down the road.

Insurance companies will often guarantee you that your car will be repaired at a mechanic who is female friendly and will suit what it is you should expect from a professional business as a lady.

2) Courtesy cars

If you have an accident or your car needs to go in for repair for some time then the insurance company will give you a courtesy car to use in the meanwhile. This can be very helpful if you need your car to get to work or your university and can't rely on public transport.

3) Handbag cover

Some insurance companies will insure your handbag and the contents thereof up to £300. This may be a perk you will need; or it may not. Ultimately you will have to decide but if you don't need it you should rather ask for the insurance company to drop it off the policy. You can rather save on your premiums than have a perk attached that you're actually not going to need.

4) Flexible payments

Insurance companies will probably be quite accomodating in supplying you flexible payment options – say annual or bi-monthly upfront payments. You can save quite a bit on your premiums by doing bulk payments, too.

5) Child seat cover

Safe and reliable child seats can be very expensive, and if your child seat gets broken some way or stolen, then you will be rest assured that the insurance company will cover it for you. Again, you may need to make sure you're not paying extra towards your premiums for this perk in comparison to the price of just buying a new car seat.

6) 24 hour emergency helplines

If you're stranded on the road or you've just had an accident, a 24 hour help line will be able to give you the advice to know what to do next, and the assurance that your claim and your needs will be met. These are helpful in a number of situations.

By shopping around, especially on the internet, you will be able to find cheap car insurance a great deal easier and garner for yourself some useful perks. Just make sure the perks are useful. If they're not, you don't want to pay for them, and you should rather ask that they be removed from the policy. Go over your policy carefully and make note of those extras you won't actually need.