This year there were some big winners and some surprising losers. To come up with 2010 safest cars, the Insurance Institute employed font, side, rear and for the first-time rollover crash tests. Each year in the US there are about 25,000 to 35,000 people who die in car accidents and a little over 9000 of those are rollover crashes.

Subaru stand out to be the only manufacturer to have top ratings for all four crash tests. In every vehicle class it competes. In all 27 vehicles got top ratings, including multiple models from Volvo and the German automaker Volkswagen.

Who didn’t make the grade? Toyota, the world’s leading auto maker with current sales. Then there were Mazda and Mitsubishi both earn top safety mark in 2009 but did not qualify in 2010.

The testers said if your vehicle didn’t make the safety list, that does not mean it is unsafe. Every vehicle out there meets minimum federal safety standard. This study does not say that the vehicle that are not on this list are unsafe, but what this list tells you is that there are auto manufacturers out there doing better job than others when it comes to safety.

The Insurance Institute of Highway Safety says that each time a new criteria like the rollover test is introduced. It takes time for the auto manufacture to design and catch up. However, most would catch up to that safety standard by 2011.

Gender is one of the biggest factors when it comes to car insurance discount. In most cases female do no have to pay more money for their car insurance than men. Statistics show that men tend to drive more and drive longer distance than female and that make men are more likely to get into a car accident than women.

In addition, the marital status of women might be used to factor the car insurance premiums for women. In most case, married women drivers are charge less in their car insurance premiums when comparing to those women who are single. Married women tend to drive less and tend to drive in shorter distances than single women. Also, married women are expected to drive at much slower speed and more drive careful. This result in lower car accidents and in lower car insurance cost.

Most insurance companies consider women to be safer drivers, who likely to have good driving record than most men. Lady drivers are not likely to cause or be involved in minor car accidents such as dents and scratches that the car insurance company may have to pay. Also, women tend to treat their car better than most men and tend to keep their cars up with maintenance which help lowering the risk from car accidents cause by car malfunction.

In addition, the type of cars and model of married women drives also help lowering the cost of their car insurance premiums. Married women are more likely to drive compact or midsized cars compare to muscle or sports car or SUV’s which men are most likely to drive.

While shopping for the cheapest car insurance for women, it is worth wild to consult a car insurance agent. A different option is to search for women car insurance through the internet with car insurance websites, which will detail all the features of their products and serivces for women drivers. Do not be afraid searching for women car insurance in the internet. It is secure and easy to follow. If you have questions, you can directly call the company and talk to a person.