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Less Expensive Auto Insurance Rates for Women
By admin | September 13, 2011
Insurance rates have been historically less expensive for women for a large number of reasons. While many men out there may disagree, studies have shown that women drivers are typically safer out on the road than their male counterparts. Most importantly, men get into more auto accidents than women. This has been scientifically proven over and over again. Statistics have shown that almost 95 percent of accidents that occur are caused by male drivers. This means that around 5 percent of the remaining accidents are the only occurrences which women take responsibility for.One of the explanations for this is simply that female drivers are far more cautious than their male counterparts. They rarely drive recklessly and only a very small percentage of women have been accused of driving while intoxicated. They are also far less inclined to show off when driving, because for a woman, a car is a mode of transportation and not a toy. Men are more apt to consider their vehicles a device for entertainment and for this reason, end up getting in more trouble when driving them.Since women are known to be safer, it can also be assumed by insurance companies that they cause fewer accidents. This means that they will file less accident claims, receiving fewer payouts than men. This is why they are able to enjoy much lower insurance premiums on the same policies as men. Insurance companies are more likely to offer them discounts on coverage and because they know that it is safer to insure a female driver. You can compare quotes at Kanetix, and see which insurers provide the steepest discounts.
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