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Actually, there is no mystery behind women's cheap car insurance. Statistics show that women drivers are involved in fewer car accidents than men drivers; therefore, car insurance companies feel women drivers are less of a risk to insure than men drivers. Statistics also show that the car accidents in which women drivers are involved cause less bodily and property damage than those car accidents in which men drivers are involved. Of course, this only adds salt to the wound for men drivers looking for cheap car insurance!

There are other factors that go into the statistics of women drivers as compared to men drivers. Women drivers are more likely than men to pass their driver license exams on the first try. Car insurance companies see this as evidence that more women drivers are likely to take the initiative and put forth the effort to study, rather than head to the DMV overly confident about their driving skills and understanding of the road.

Statistically, women drivers also are not involved in as many car-related crimes as men drivers. Whether the crime is running a red light or committing vehicular homicide, women drivers are less likely to commit it than men drivers.

In order to get the cheap car insurance that women get, men need to work on their statistics. One way to start is by driving a safe vehicle that will protect you, your passengers, and the other drivers and pedestrians around you. Your vehicle should be one that is built to cause minimal damage when involved in a car accident. This means damage to the persons involved in the accident, as well as damage to the property. Easing off the gas pedal every now and then helps, too.

If you are a man driver looking for the cheap car insurance available to most women, talk with your insurance company about steps you can take to obtain that cheap car insurance.