Cheaper Car Insurance For Women
Why Car Insurance for Woman Drivers is Cheaper: How Gender ...
Car insurance for woman drivers has historically been cheaper than insurance for their counterparts. This preferential rating derives from differences in driving records between the sexes, in relation to crash rates, accident severity and insurance claims. This article discusses the central role that gender differences play in determining car insurance rates.
All Drivers Aren’t Created EqualBoth statistical data and empirical studies have revealed definite differences in the driving behavior of male and female drivers. They demonstrate that men are involved in more car crashes than women, and commit most of the serious traffic violations. Furthermore, accidents that male drivers are involved in tend to be more severe and expensive to cover.
Women, on the other hand, are involved in fewer auto-related incidents, and consequently file fewer accident claims. They are less likely to be involved in accidents that involve injury, death and extensive vehicle damage. This means that women are a better insurance risk, which qualifies them for lower auto insurance rates that make car insurance for woman motorists cheaper than men’s.
Statistically SpeakingInsurance is an industry driven by numbers and the numbers say that female drivers have a lower probability of being involved in an auto accident and filing a claim. Insurers take this gender differentiation into account when calculating auto insurance rates. Statistically speaking, car insurance for woman motorists is cheaper simply because a woman is cheaper to insure.
Gender Driving Differences- Safe Driving
It is not so much that women are "better" drivers, as that they tend to be "safer," more conservative drivers than their male counterparts. Women are often more cautious than men when driving, and are less likely to indulge in risky driving behavior such as speeding, seatbelt use, drunk driving or running a red light. As such, they incur fewer traffic violations and car accidents.
...Study: Women More Likely To Lie When Applying For Auto Insurance than Men
Have you ever wondered why women get cheaper auto insurance than men? Is it because of their safer driving habits? According to a new study out of England, it might be because they are lying when they apply for car insurance.
New research from eInsurance Group reported that 20 percent of its insurance policies sold in May resulted in fraud investigations, with 51 percent of declined applications coming from women and 49 percent from men. So what were drivers lying about? The top three fibs to make the list are: not disclosing convictions (total 47 percent – 64 percent male, 36 percent female); misleading information about how long they’ve held a license (total 32 percent – 32 percent male, 68 percent female); and lying about possessing a no-claims discount (total 19 percent – 47 percent male, 53 percent female).
“These results show that basing insurance premiums on gender alone is misguided,” said Alan Sanderson, CEO of eInsurance Group. “The insurers should do more to tackle the liars, whoever they are, and reward honest drivers.”
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