Tips for Female Student Drivers Looking for Car Insurance

Female students may find that getting behind the wheel of a car is one of the most exciting times of their lives. How much fun is it to finally be able to drive. Canadian law mandates that anyone driving a motor vehicle carry auto insurance on their cars at all times. It can be easy to find female student car insurance at exceptional rates by implementing a few simple steps. Here you will learn a few of the ways to get the best insurance policy at the best price for female students.

1) Shop Around

Car insurance is a highly competitive industry, and companies fight hard to gain your business. Rates can be quite different amongst different companies, and obtaining a minimum of three different quotes from three different companies is the best way to ensure that you are getting the most for your money. When you receive a better rate from one company, be sure to read the fine print. The cheapest policy may not be the best, likewise, the highest may not be either. It is important to read all of the details of the policy to know what is and is not covered so that you are getting the coverage that you want and need.

2) Rates for Females are Typically Lower

Yes, it is true! Females will pay an average of 25% less than their male counterparts to insure their automobiles. This is great news for female students wishing to obtain auto insurance. Female students are already off to a good start before the auto insurance search begins.

3) Get Good Grades

Good grades are linked to safe driving, and auto insurance companies in some provinces want to make sure there is a reward for doing so. Maintaining A’s and B’s in the classroom can mean significant discounts for both male and female student drivers. The discount offered by some auto insurance companies can be as much as 30-40%. This discount applies to both female students in high school as well as college, so keep those grades up and you’ll reap the benefits.

4) Keep a Safe Driving Record

It may be tempting to play Speed Racer in the car once that driver’s license is in your hand, but doing so could have serious consequences. One of those is higher insurance rates. Avoid speeding tickets and moving violations to ensure that your car insurance rates remain low. With each driving infraction on one’s record, insurance premiums will increase an average of 44% – sometimes higher. It can also make it harder to find a company that is willing to insure a high-risk driver.