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You may get a number of lawsuits if you tried to discriminate on the basis of gender in many matters. But in car insurance, your gender is certainly an advantage especially if you're a woman.
Most speed demons are male. Most dare devil drivers are also male. It is certainly not part of the female nature to take much physical risks. And where such traits exist naturally, societal pressure tone it down quite a great deal -- It's not ladylike to be physically rough.
Women are also less likely to drive for long hours. If it's going to be a very long drive, most women will gladly let a man do the driving.
Who insists on driving classics and rather large cars? You guessed right -- The guys.
Car insurance companies know these and therefore give women lower rates all things being equal. However, some insurance companies will weigh your gender more than others. This will translate to a lower quote all other things being equal. To get details on how insurance companies calculate your rate, follow the link at the end of this article.
It is also very important that you read the fine lines or make sure you really ask questions about what is included in your cover. If you are female and drive alone often, there are features like breakdown cover that you should give a lot of consideration when choosing your car insurance provider.
Remember, you can take advantage of your profile (Whether you're male or female) to make considerable savings. You only need to take some time out to learn how.