As a female driver looking to get your car insured, there are a plethora of options out there on the internet for you to sift through to try and find the best insurance deal for your needs. One of the quickest ways to compare women’s car insurance is to use a price comparison website; but what is it should you be comparing when faced with the myriad options presented on the screen?

Obviously the price is a good place to start whilst you compare women’s car insurance but prices can fluctuate depending on what is included in the policy you are about to buy. This handy guide will take you through the key factors you should be weighing up when you come to compare women’s car insurance.

One of the first options to look for if you are a female driver is whether the insurance provider offers additional discount to women drivers. As females statistically have fewer accidents whilst driving, almost all insurers will offer a discount for women drivers. Specialist female-only insurers can often provide the lowest premiums for women drivers.

As you compare women’s car insurance policies the amount of excess you have to pay can be a crucial factor in deciding how good a policy is. Some insurers have a standard fixed excess price that you will have to pay should you be involved in an accident or your vehicle is damaged, but most insurers will have a variable excess rate.

In the case of variable excess rates, increasing the amount of excess you are willing to pay can make your insurance cheaper. However, if you are deciding between two companies, make sure you set the same excess rate to compare which insurer can offer the best deal. Some companies are more generous than others depending on how much you are willing to increase your excess by.

Not all insurance policies will come with courtesy cars; in fact invariably, courtesy cars will be an additional extra you have to pay for if you want to remain mobile whilst your vehicle is being replaced or repaired. Compare women’s car insurance policies to see which ones offer courtesy cars as standard and how much extra money you will have to pay to get a courtesy car put on your insurance.

If you are looking for basic third party fire and theft insurance, another thing which is always worth checking is how much extra it will cost to upgrade to fully comprehensive. As a young driver this may be a lot but more experienced drivers may be surprised to find the difference is not that great and comprehensive insurance offers a lot more protection, giving you greater peace of mind on the road.