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As you could imagine, shopping for auto insurance for women is almost identical to buying auto insurance for men. Although the process may be the same, the cost of auto insurance for women is often times significantly more affordable.

This, of course, depends on a vast variety of factors used by auto insurance companies to assess one’s risk and liability. How you score here will determine your premium. The gender of the policy holder actually carries very little influence, but again, that’s not to say there aren’t benefits to be had. In fact, women stand to save big on auto insurance, and it requires no extra effort.

While this may seem unfair to some, mostly men, I’d imagine, women simply pose less of a financial risk to the insurer, and thus are rewarded for it. Women are not only far less likely to be involved in a collision or fender bender, but also, despite the stereotypes, women actually take much better care of their cars.

There’s no need to request or apply for this discount, as it’s automatically figured into your premium. To get a quote from many of the best auto insurers in the country, with this discount already factored in, as well as many others, all you have to do is enter your zip code above, and provide some very basic information. The information you provide in this short questionnaire will be used to calculate your auto insurance premium, and you’ll instantly have dozens of custom-tailored quotes at your disposal.

For the women that are less mechanically inclined, and men too for that matter, 24 hour road side assistance could come in very handy when you find yourself in the worst of situations, without knowing how to get your car back on the road.

Married women should also inquire about “Insured and Partner” policies. This forces the insurance company into offering equal discounts to your spouse.

Women drivers will pay up to 30% less for their auto coverage when compared to men with similar driving records. Girls that are just getting behind the wheel for the first time appear to be getting the biggest savings, but it’s more likely that young boys are much more reckless when they first start driving.

As drivers age, and have time to build their driving records, the gap in premiums between men and women shrink. Bad drivers will ultimately pay more, and responsible drivers will ultimately always pay less for their coverage.