Some news us men have always known but never want to admit to, statistically women are safer drivers and slowly but surely Insurance Companies are realizing this fact and are offering members of the fairer sex good discounts on their Car Insurance.

The numbers show that although their is little difference in the actual crash count - men versus women, men are likely to be involved in more serious accidents than women. To further expand on this point, the number of men recieving demerit points for driving offences is almost double that of women drivers, indicating that women are more likely to follow the road rules, drive safely and claim on their Car Insurance less.

The easiest way to take advantage of these discounts is to shop around for the best deal but keep in mind that the cheapest cover is not necessarily the best. Although the premiums may be cheaper you may find yourself getting short changed when it comes time to make a claim.

Several factors are used to calculate your Car Insurance premium and some of these include -

• The type of cover that you are taking out such as Third Party Property, Third Party Property, Fire and Theft or Comprehensive Cover.
• Whether the vehicle is garaged or not.
• The amount of the ‘excess’ paid in the event of a claim. Some insurers offer a higher excess charge in return for lower monthly premiums. If you are a safe driver and have made a minimum of claims in the past this is one way to save on your monthly or yearly premium.
• Any ‘extras’ that are written into the contract such as a hire car when your car is off the road for any length of time and new for old replacement if the vehicle is written off within the first two years of it’s life.

These are just a couple of factors that come in to play when calculating the cost of your car insurance and all can have an impact on the final price. The most important point however is to know what your insurance company is going to do for you in the event of a claim and to have adequate coverage that will get your vehicle back on the road as quickly and efficiently as possible.