When all the things are equal for both men and women, car insurance is less expensive to women when compared with men. Women are considered to be safe drivers and it is very much justified. Most of the men think that the women drivers are not that skilled in driving. But they should still accept the fact that car insurance will be less for women, because women are reckless drivers and they are not aggressive like men when they are driving the car. There is lot of data by the car insurance companies to prove and tell that women are safe drivers than men. Women have safety record because they tend to get into lesser accident, hence their car insurance premium will be atleast 10% less for men.
Damages done by women drivers are less when compared to men. It also adds to the fact that women have less traffic violation, that is reason why women pay less insurance premium. How they see men driving record to calculate the insurance premium in the similar fashion women previous driving record is also seen to calculate the insurance premium for women. If there are many tickets and violations in the women record then her premium can be same with the as man of the same type of driving record.
Few Factors Which Affects The Premiums
- Usually women drive less when compared to men. Their annual mileage is less when compared to men..
- Bodily injury and property damage committed is less and though they are committed they are committed at less speed.
- When it comes to license examinations women clear both theory and practicals in the first attempt than men. They follow the traffic rules.
It is not too far that the disparity with the insurance premiums for women and car insurance premiums for men will narrow simultaneously.