Why Are Some Companies Offering Discount Women's Car Insurance More Expensive Than Others?

Some of the car insurers pay lip service to the idea by serving the 'lady driver' market with straight-forward percentage discounts on standard quotes. This can be as little as five per cent or as much as 20 per cent or more.

Other discount women's car insurance companies are more committed and dedicated to specialising in women's car insurance as a business model. Hence they have designed policies for women drivers from the ground up rather than having simply tweaked existing products to suit. The insurance companies that have created specially designed policies can offer car insurance products that have been fully thought through from the woman's perspective.

Whether they are more competitive or better value for money depends on your personal viewpoint. Certainly, the bigger companies have some economies of scale benefits to help them, but equally they have large company overheads as well.

The benefits of this type of policy are time-limited; as you get older the gap in price between men and women's car insurance premiums begins to narrow rapidly.