Due to the competitive market for auto insurance, one can have a car insured online in less than ten minutes. There are hundreds of companies to choose from to get the most affordable quote. Through special discount schemes for women you can even get a car insured for your wife or mother. Insurance companies decide premiums based on risk. • Statistical data says that men are involved in 90% of the accidents and have higher risk than women. • Statistics prove that women have better traffic sense and have knowledge regarding traffic rules as they grasp concepts well. • Women are less aggressive as compared to men and thus they are believed to be safer drivers. • The accidents caused by women lead to small dents and dings on their cars while men tend to cause more serious accidents. • Therefore men have higher premiums than their counterpart. It is good business practice to reward the group that presents the least risk. Hence women are offered cheaper insurance plans. Here are a few points to keep in mind when buying auto insurance for women. 1) Compare the free quotes offered by different insurance companies online. 2) Try getting as many insurance schemes from the same agency as possible like house insurance, medical insurance etc. 3) Popular SUV's, luxury vehicles, sports cars with advanced technological features have higher premiums. A simple model car will help you in getting a cheap insurance plan. 4) Protect the car in the best possible way. Make sure to install security devices like a car alarm in your car because they will prevent car- theft and will also help you to get a cheap insurance. A few companies also offer additional discounts and other schemes like counselling services for accident victims and insurance on any shopping items in the vehicle. Others firms might also extend female-friendly repairs that are more aware of women's safety concerns. Some insurance companies provide tailor-made insurance covers for the customers and customized quotations. Some companies offer specialized general car insurance schemes for women while others may provide pay- as- you- drive options. You need to do your research about insurance companies on the net or just talk directly with several insurance companies so that you get a better picture of what are the current market offers at that a particular period of time.