Car insurance for women

Emilia Pardo Bazán is considered the best Spanish novelist of the 19th century. Beyond her ability as a writer, the Galician was also an activist for women’s rights. In fact, in 1904 she became the first Spanish woman to drive a vehicle, showing that the automotive industry is also a women’s thing. In 1925, Catalina García González became the first woman with a driver’s license in Spain, after taking an exam in León with her own car, a Ford T, which her husband had purchased three years earlier. Today, women constitute 42% (11.34 million) of all drivers in our country, according to data from the General Directorate of Traffic (DGT).

Contrary to popular belief, women are better drivers than men. The deputy director general of Training and Road Education of the DGT, María José Aparicio, recalled that of the 1,139 drivers who died in traffic accidents in 2019 only 10% were women. In addition, the majority of drivers who lose their driving license, either due to crimes or infractions, are men. This is mainly due to the fact that women are more cautious when driving, which is why they respect the rules of the road and speed limits more. This type of data is necessary to put an end to the myths that are still alive on Spanish roads.

You may also be interested in:

Until a few years ago, the lower risk women presented on the road translated into lower premiums from insurers. On December 21, 2012, the regulations that proclaimed equity in insurance prices came into force, since the European Union (EU) considers this practice illegal, so that car insurance rates for women were little equated little by little to that of men. Despite this, insurers continue to offer promotions and specific coverage to satisfy the needs that women demand when hiring an insurance policy for their vehicle, although the offer is limited, as can be seen in this Web. This is mainly due to the fact that the risk taken by companies when women take out car insurance is lower than in the case of men, as confirmed by statistics.

You may also be interested in:

Characteristics of car insurance for women

All types of car insurance available on the market (third party insurance, extended third party insurance, comprehensive insurance and comprehensive insurance with excess) do not make distinctions between men and women. However, women’s insurance has specific characteristics that are adapted to the needs of female drivers, and they are also cheaper, mainly because they use the car less frequently and tend to opt for less powerful vehicles, so the risk of loss is less. In addition to the basic coverages, women can enjoy specific coverages, such as assistance to pregnant women, changing a wheel, or processing fines or paperwork. A series of coverages that depend on the needs and preferences of each driver.

Deja un comentario