Statistics have been released by car insurance provider Swiftcover, highlighting the need for female drivers to look beyond the policies that are advertised directly to them when shopping around for car insurance.
According to the provider's research, the UK's 18.9million women drivers could face car insurance premiums with differences of more than £600 a year. Its research found that a 35-year-old female living in Birmingham driving a Volkswagen Passat with one speeding conviction to their name could be charged as much as £944.45 a year through female car insurance specialist Diamond. The same driver however, could pick up a quote for just £331.76 through Swiftcover itself - a difference of £612.69.
This wasn't a one-off example either. The insurer quoted many similar differences including for a 55-year-old female in Southampton driving a Saab 9-5 who could pick up a premium for just £148.00 through Swiftcover and yet would be charged £246.94 through Sheila's Wheels and £589.55 with Diamond.
Cynics would argue that Swiftcover has hand-picked the examples to show off the savings made through its service. However, there is a clear message for female motorists to shop around - preferably by using a comparison service - to ensure they're getting the cheapest quote available.
It is important to look beyond price too and consider what you're getting for your money. To their credit, the likes of Diamond and Sheila's Wheels offer incentives such as handbag cover, female-friendly repairers and courtesy cars.
Once you've found a policy with the level of cover you need, look to save money where possible by enhancing the vehicle's security, parking in a garage overnight, driving at pre-agreed times and avoiding convictions.
You can also enjoy cheap car insurance by paying annually instead of monthly, as many companies charge interest on monthly car insurance installments.
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