As UK women drivers looking for cheap car insurance for women almost every piece of personal information provide when getting a quote will be taken into consideration when your car insurance premiums are calculated. Just so that you get an insider’s perspective on UK insurance calculations, read on and we’ll let you in on a number of handy hints that will set you on track for obtaining cheap car insurance for women!

• Age
  Women drivers over the age of fifty can feel the benefit of the driving experience they have earned with discounted premiums. Relatively speaking, cheap car insurance for women is fairly common for the over 50s with many car insurance companies. One reason for this is that it has been proven that older drivers are less likely to make a claim.
  
• Consolidation
  By holding a number of policies with the same company you can often receive a discount on your premiums. If you have more than one car then try to insure them with one company. Diva will offer you a discount for multiple policies.
  
• Excess
  Excess is the term used to refer to the amount of money that a policyholder must pay towards a claim before the rest is taken care of by the insurance company. All car insurance policies will carry with them a minimum level of excess, but if you decide that you would rather pay a higher voluntary level of excess then you could find yourself paying lower yearly premiums.
  
• Gender
  You know this one already. As women are statistically better drivers than men they are entitled to lower premiums. Click here for a quote from Diva Female Car Insurance UK.
  
• Location
  You are not simply asked your home address so that your insurer knows where to send your policy documents; the location of your home address will also have some bearing on your premium calculations. Countryside dwellers can expect to pay less than drivers who reside in the inner city where crime and accident rates are far higher. Postcodes can now be assessed right down to the second part of the code, making location play a more vital role than ever in premium estimations.
  
• Mileage
  When filling out your application form you will be asked to declare your yearly mileage. Drivers whose mileage falls under a set limit will find themselves earning a discount on their premiums. As low mileage motorists are simply not on the road as much as other insured drivers, it stands to reason that they represent a lower risk.
  
• Named drivers
  Named drivers are the people you declare on your insurance policy who are licensed to drive your car under your policy. Reducing the amount of named drivers on your policy can significantly reduce your insurance premiums. Try not to include any named drivers on your policy unless it is absolutely necessary, although Diva can offer you spouse discount on some policies. If your husband is included on your policy as a named driver then Diva can arrange for you to be rewarded with lower premiums.
  
• No claims discount
  Also known sometimes as the ‘no claims bonus’, the no claims discount is one of the best ways of reducing your car insurance premium. Depending on the number of years that you have stacked up, your premium will be reduced by a certain percentage. In some cases a good no claims bonus can earn you a discount of up to 60%. It is worth while remembering that no claims discount is only calculated in full years, or periods of twelve months, so try and avoid cancelling your car insurance policy mid-way through an annual term. Read more about no claims discount here.
  
• Profession
  If your job falls into a higher risk category then you could find yourself paying more expensive premiums. Jobs that are perceived as being hazardous include the occupations of politician or journalist. Sedentary office jobs will be perceived as lower risk and hence be allocated lower premiums.
  
• Safety and security features
  If your car has safety or security features then you can benefit from discounted insurance premiums. Crumple zones, side impact features, alarms, immobilisers and trackers can all help to reduce your premium.
  
• Type of use
  When you apply for a UK car insurance policy you will need to state details about your driving habits. The main categories are as follows: social, domestic and pleasure only, social, domestic and pleasure including commuting to a permanent place of work and social, domestic and pleasure with business cover. Social, domestic and pleasure is the most inexpensive type of policy, so it could be worth changing your motoring habits in order to save on your premiums.
  
• Vehicle type
  Your choice of vehicle will have a hefty impact on your premiums. High profile, high performance and high maintenance motors will attract the largest insurance costs while more ordinary cars will incur their owners lower costs. Cars are allocated into one of twenty groups according to classifications drawn up the Association of British Insurers, and premiums calculated accordingly. First time buyers should perhaps consider that buying a lower profile vehicle could save them pounds on insurance costs. Visit the ABI website to find out the grouping of your vehicle or prospective purchase.