While most of the time you hear men joking about women drivers, women tend to be laughing their way to the bank on car insurance premiums.  Why?  Well, it really is true that women tend to have lower car insurance rates than men.

While it isn't the case everytime about lower car insurance premiums, it generally is true that sometimes women can save up to 30 percent or more!  There are several reasons why womens car insurance is cheaper than a mans.

Women Are Slower Drivers

Women historically have been slower and more cautious behind the wheel than men are.  Sure there are the jokes about women driving and putting on mascara all the time, however women tend to be more cautious when driving.

Women also have a lower ticket rate than men do for moving violations (read: speeding tickets). 

Women Are Less Agressive Drivers

Did you know that more than 90% of the driving convictions for speeding tickets and road rage incidents are from men?  Women tend to be less agressive when driving.  There are various theories as to why that is, however a leading trend seems to think that women are more relaxed and thoughtful about their driving mostly to children in the car.

Women Have Less Risky Cars To Insure

Another reason why ladies car insurance is so cheap is because the vehicles that women tend to drive are not considered higher risk vehicles.  Vehicles that have a history of higher insurance premiums, such as sports cars and 4 X 4's don't tend to fit into the lifestyle of hauling children around.

While ladies tend to drive safer vehicles and have less moving violations, the accident rates are still about the same, although a little less.  However the difference is that womens car accident damage claims are less than mens, by quite a bit!

This means that women tend to have accidents almost as much as men, however the claim from their accident is usually substantially lower.

There are many store front places that you can use in your town to find cheap car insurance for ladies, however you can sometimes have better luck online.  Why?

Well, if you are searching online for cheap car insurance, you can save time, find multiple offers and usually handle everything online without leaving your home.  Online car insurance companies also have a great reputation for their completeness and great customer service.  It can take a little time to type in information, however most of the companies also have a toll free number you can call and talk to someone about their coverage.

While meeting someone face to face is a good way to tell if they are honest and will help you in your time of need, most online car insurance companies are reputable and reliable.  There are even some car insurance companies that will only insure women!