Your gender and age group play an important role in deciding the ease by which you can obtain car insurance. Although women drivers are quite common these days, most insurance companies still consider them to be in the high risk category. With proper research you should be able to find insurance policies specially suitable for woman drivers.
Women are usually considerate and cautious drivers. Some companies offer lower premiums to women because they tend to be safer in driving compared to their male counterparts. This fact is proven by various statistics and studies made in this area. While there are many accidents that involve women drivers, the seriousness of such accidents is comparatively reduced. Moreover, there are very few driving offenses that involve women.
Because of these reasons, some insurers have introduced special policies for women drivers. Some of these policies cater to women below 25 years of age. So, if you fall into the categories suggested by these insurers, you can try and get the best premium possible.
The next factor is to avoid having modifications done to your car. If you paid a low premium when you purchased your car, it is likely to increase when you have modifications done. This is due to the fact that insurers believe that modifications are risky.
It is always better to have security devices fitted in your car. Most insurance companies offer lower premiums to cars that have security devices like alarms, locks and immobilizers fitted in them to ensure protection against theft or damage.
Another way to get a nominal premium is to obtain a good credit rating. You can try and get a lower rate from your insurers if you are a prompt payer of debt.
Further, you need to look around well before you decide on a specific insurance company. You can request companies you are interested in to provide a free quote online, and compare rates before you decide.