"Women drivers." Most of us have probably heard that phrase
grunted from a man in our lives, whether a friend, family member,
coworker, or complete stranger. And, most women have probably been
somewhat aggravated by the negative connotation. But, did you know that
women's car insurance is generally cheaper than men's car insurance?
It's true, and as sexist as it may sound, it's actually not. There are a
plethora of statistical facts that tend to cause car insurance
companies to offer lower rates to women drivers than to men drivers, and
none of those reasons include the idea that women drivers can't drive!
Car
insurance companies have researched data over a number of years, and
the findings support the idea that, as a whole, women drivers aren't
involved in as many accidents as men drivers, and the motor
vehicle-related accidents that women drivers are involved in often don't
cause as much damage as motor vehicle-related accidents men drivers are
involved in. Women drivers also don't commit as many motor
vehicle-related crimes as men drivers. As if all that weren't enough,
women drivers are also more likely to pass their driver licensing exams
on the first try than men drivers.
Because of these statistics,
car insurance companies are more apt to offer cheaper car insurance to
women drivers than they are to men drivers. Women aren't being offered
cheaper car insurance rates because they are women; they are being
offered cheaper rates because statistics show car insurance companies
that lower rates are not a dangerous bet for them.
Of course, this
isn't to say that women are better drivers than men, or that any woman
driver out there is going to be a better, or safer, driver than her male
counterpart; however, it is to say that statistics point to the fact
that overall, women are generally safer drivers than men, thus resulting
in the reward cheaper car insurance for women.
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