Used cars are notorious for needing repairs at some point quicker than new ones. Consequently, taking a little time before slapping down money on a used car to start a cheap insurance quotes comparison worksheet will be well worth it in the end. A decision will need to be made whether to get one or both types of car repair insurance. The Breakdown plans apply to vehicle parts that are prone to breakage and only these parts will the insurance company cover. Whereas the Wear and Tear plans focus on parts that can wear out over time. Many companies also offer add-ons and specialty plans such as Engine and/or Transition coverage, but these can get costly and confusing. For example, an Engine Plan may not cover the repair/replacement of the radiator because it is not actually part of the engine block. Therefore, depending on the age and projected usage of the used vehicle, it is best to evaluate the plans being offered vs. the cost from the quotes comparison worksheet.

Extended warranties and car repair insurance may essentially be somewhat the same in principal, but there are some huge differences between the two. Extended warranties are exactly what they say they are, in that they extend the coverage period of the manufacturer’s warranty that was included with the cost of a new car. During the time a vehicle is covered by the warranty and extended warranty, the manufacturer will cover the cost of repairs and replacements. Under a car repair insurance policy, the insurance company pays for this, not the manufacturer. Also, this insurance is for pre-owned vehicles which are known to usually have mechanical issues. So, getting cheap auto insurance quotes to get the best deal can save thousands of dollars in the long run by not having to pay for expensive auto repairs.

For anyone buying a pre-owned vehicle, especially one without a transferable manufacturer’s or extended warranty, this additional insurance is just as important as regular auto insurance. Be sure to create a cheap insurance quotes comparison worksheet so an informed decision on a car repair insurance policy can be made as to the specific needs of the used vehicle to be purchased. Also, a good place to start is to inquire with the dealer for an insurance company they recommend and possibly work with if they have an in-house shop.

1) Women tend to go cheap on automobiles

Women’s priorities tend to differ largely with those of men. As a result, women tend to buy cheaper and more manageable cars, because having a fancy car to them is not as important as having the latest designer hair do, dress or that shoe that every sophisticated woman has. Therefore, in case an accident, the cost incurred for insurance claims for such cars is much less. This is the main reason for insurance companies to have cheaper insurance rates for women.

2) Women tend to be better drivers than men

It is a proven fact that women are better and safer drivers than men. Most women will always make it during their very first test drive, as compared to the men, in as much as they are slow learners. This is a clear sign of their attentiveness, which is later transferred practically when driving their own cars. This can be proved by the fact that most women drive at the expected speed limit, as required of them by law. This will of course reduce their rate of accidents and if they take place, the accidents are not as serious as those caused by male drivers.

3) The type of road accidents

The road accidents that women drivers tend to get involved in are in most cases less damaging than the ones that involve men. This is because most women tend to follow traffic laws and are more careful drivers on the roads. These laws include driving within the required speed limits, avoiding careless overtaking, and not using cell phones while driving, among others. They also tend to avoid driving in bad weather conditions as compared to the male drivers.

4) Insurance companies favor women drivers

Most insurance companies have policies stipulated for women drivers being cheaper than that of men, which lead to lower insurance premiums. This is done to attract women drivers who happen to be more of assets to insurance companies as compared to their male counterparts.

5) Traffic Offenses

Looking at the statistics of the persons charged with traffic offenses, it is true that men are more compared to their women counterparts. Traffic rules and regulations were put in place to ensure safety on the roads while driving. Women will rarely be found committing traffic offenses, hence leaving them on the safe side. This will of course minimize the accidents that they would have been involved in, hence fewer or no claims. Some of these statistics are what has caused the car insurance companies to come up with stiffer insurance policies for men in terms of premiums than that of women.

6) Long Distance Driving

Another factor that contributes to cheaper insurance premiums for women is that most women tend to shy from long distance drives. This is very important since most accidents occur in the course of long journeys. As a result, this will reduce the rate of expected accidents involving women drivers. The number of accidents caused will mostly involve men who might be driving very expensive cars. The rate of premiums paid for expensive cars is more compared to that paid in for cheaper automobile.

5) Masculinity vs. Femininity

Science has proved that men are led to drive at very high speeds and are in most cases found to be on the wrong due to their high levels of testosterone. It is a true and proven fact that over-speeding and having traffic faults will lead to accidents, in most cases. Since men are very good at competition, you would realize that male drivers they will in most cases want to challenge each other. This is opposite with the female drivers.

Yes it is true that car insurance for women is way cheaper because of the above reasons. But not all car insurance companies have the cheaper insurance policy for women in place. It is therefore, advisable to carry out a thorough research on the different insurance companies, to see what they have to offer.

Miles Walker is a freelance writer and blogger who usually looks at car insurance deals over at CarinsuranceComparison.Org. His most recent review looked at the best car insurance quotes.