If you're a female driver looking for cheaper car insurance, the good news is that select companies like Diamond and Sheilas Wheels may be able to offer you a more competitive quote with greater policy benefits. This is because claims made by women on their vehicles tend to cost less than those made by male drivers. Benefits for female drivers can include; replacement child car seats, cover for handbags & phones, hire car within 2 hours if immobilised, priority breakdown cover if travelling alone. Marks and Spencer's policies include free European breakdown cover.