Young drivers cannot hope to get cheap car insurance. This is because they are considered to be more of a risk by the car insurance providers. While providing an insurance coverage, the provider looks at the history of the person to be insured. Younger drivers have no established history of good driving. Studies have shown that young drivers are aggressive on the road; they make more vehicle insurance claims. In most cases of accidents involving young drivers, they are the party at fault. Hence, in order to withstand these risks, insurers charge higher premium rates for young drivers.

On the other hand, for women drivers it is relatively easy to get cheap car insurance. The basic fact here is that a car insurance premium for women is much lower than for men.  A wide range of data shows that women are safer drivers than men. Women are careful drivers and usually drive slowly. They also drive shorter distances and although they may have as many accidents as men, the accidents are less serious in nature. Considering these factors, insurance providers are willing to take on the risk and offer women cheap car insurance.

All this is not to say that the men have no hopes in getting cheap car insurance. It is certainly possible for men to lower their car insurance costs. However, they have to take some precautions and make special efforts to get cheap car insurance. For example, they can look for discounts on their policies, maintain a clean driving record or install safety devices on their vehicles.