As we all know, the best way to protect your ladies' car insurance premium from any shocking rises is not to have an accident. If you make a claim on your motor insurance, your next quote is likely to be sky-high so it's best to not give yourself any reason to claim.
So how can you prevent an accident? Of course, it's always a good idea to stick to the speed limit and drive even slower in poor weather conditions, when there is a lot of traffic around and on dangerous roads.
Also, driving when you are tired, drunk or on drugs increases your chance of having an accident dramatically so, for a woman wanting to look after her ladies' car insurance, driving impaired is best avoided.
Finally, it is incredibly important to concentrate on the road so that you are more aware of any potential dangerous situations that could arise. Drivers who are distracted have a much greater chance of being involved in a crash.
However, as well as doing all of these things, there is something else that can help you to avoid having an accident. Buy the Lexus LS 460.
This Lexus is one of the most advanced cars on the road and has a whole array of intelligent systems that help to keep the driver from having an accident - great for avoiding ladies' car insurance claims.
The first feature of this extraordinary car is its driver monitoring system. A world first, it consists of a camera mounted on the steering column which recognises the eyes, nose and mouth of the person driving. It then uses facial width and centre line information to calculate which way the driver is facing. If, while driving the car, the driver turns her head by more than 15 degrees for 15 seconds, it will bleep a warning and tap the brakes.
This ingenious system will attract the attention of someone who has become distracted and is not watching where they are going, thereby reducing their chance of crashing. In some cases, it may also wake up drivers who have fallen asleep at the wheel.
However, the driver monitoring system isn't the only thing that is special about this Lexus. It also has Lane Keeping Assist, a system that can not only warn when a driver appears to accidentally veer out of their lane but can also work alongside cruise control to make small steering adjustments to ensure the car stays within its lane.
This system is aimed to keep the car travelling in the same lane even without driver input - for example if the person has fallen asleep or been taken ill. In other cars, the chances are there would be an accident within seconds if nobody was steering.
However, by itself this system is not altogether effective as it is likely that at some point the car is going to come across an obstacle in its own lane. Luckily, this was taken into consideration by the technical team at Lexus and the Object Detection System has been developed.
This system uses radar, infra-red projectors and cameras positioned to the front and sides of the car to identify any objects that are approaching. This includes animals and people as well as other cars and allows the Lexus to "see" the objects.
The fact that the car can see an object means that it can either avoid it or get ready for an impact if it is impossible to circumvent it. If the Lexus detects an object coming up quickly it will trigger the Pre-Crash Safety System and a warning sound accompanied by a flashing signal will alert the driver to the upcoming collision. The Emergency Steering Assist System, which heightens the sensitivity and directness of the steering, will also be engaged so that there is more chance of a successful evasive manoeuvre.
However, if the impact is unavoidable, the car will brake automatically and pre-tension the seatbelts so that any injuries that the occupants sustain are minimised.
Pretty impressive stuff, you might think. But these systems are nothing compared to what is probably the most remarkable feature of the car - the Car Parking Guidance System.
Each year thousands of ladies have to claim on their car insurance policy after slight dings when parking. Well, the Lexus LS 460 aims to put a stop to parallel parking bumps and scrapes with its amazing automatic parking feature.
The driver simply drives slowly along until the car detects a suitable parking space. Then she puts the car into reverse, takes her hands off the steering wheel and simply gently rests her foot on the brake. The car will then park itself with no help from the driver apart from stopping it from going too fast.
All these systems and features certainly are amazing and will no doubt prevent some car accidents from occurring. However, the only thing that is likely to stop me and many other women on the roads from owning one of these beasts is the price tag - it is estimated to cost a cool £60,000 for just the basic model.