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These days, being a woman is great. You get to balance work and home life like never before, and you’re getting more and more equality with men in the work place. Plus, some statistics about safety and such are still biased in favor of women, which means that there are sometimes more car insurance discounts available just because you’re a woman. Here are some of the discounts that you can expect to get if you have two X chromosomes.

For one thing, you’ll probably get a cheaper basic car insurance rate than a man with a similar vehicle, age, and driving record. Because statistics show that women are typically in fewer accidents and that they typically get fewer speeding tickets, insurance companies generally consider women to be less risky to insure than men. This isn’t to say, of course, that you will get better rates every time than a man or that you’ll be able to get cheaper insurance rates if you have several tickets or accidents on your record, but with a fairly clean record, your insurance is going to start out cheaper than a man’s.

Lots of women are on their own for a while right now before they get married or move in with a partner. If you’re in this situation and need to buy renter’s or homeowners insurance along with your car insurance, you can probably get a discount for buying the two from the same company. One thing to keep in mind is that the discount may not necessarily come out of your car insurance premiums. Some companies will take a bit off of both premiums, and some will take a heftier discount off of either the homeowner’s insurance premium or the car insurance premium. Either way, though, you can save by insuring multiple objects with the same insurance company.

The longer you keep that clean driving record, too, the more you’ll save on auto insurance. Many car insurance discounts are based solely on your driving record. Even if you have a couple of marks from stupid things you did as a teenager, though, they’ll fade off your record in a few years. If you’ve had a clean record for more than three years, you can expect to get some pretty great discounts on your auto insurance. These discounts aren’t just available to women, of course, but they are getting easier and easier to find for many women who need to find ways to save on their car insurance premiums.

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