why do woman get cheaper can insurance?

Question

If blokes got cheaper car insurance because obviously we're the "better drivers" ha then all you woman would be complaining...

Answer 1

No we wouldn't...we'd accept it just like you do.

The fact of the matter is that men (especially men under 25) get in more accidents and get more tickets. It's not that we get cheaper insurance...it's just that yours is more expensive. The price will go down when you turn 26, and/or when you get married.

Answer 2

Woman usually do not speed as much. But do you know how many woman I have seen driving down the road, talking on the cell phone and putting on make up at the same time. While turning around to yell at the kids in the back seat. I mean really does that sound like that situation needs cheaper insurance I think not lol. I am a female so I am glad it is a little cheaper. But on the other hand our health insurance is a lot higher than men. So go figure y'all get screwed in the car insurance industry and we get screwed in the health ins industry. lol

Answer 3

becuase males are worse drivers then females in the eyes of insurance companies.

males like to street race and do crazy things.

"Insuring a teenage boy generally is pricey due to teen males are statistically likely to get into accidents. This thus is a higher risk for the insurance company so the premium will be cost more."

"Prices vary from company to company. It is usually determined by claim experience over time, but with all factors being equal, a female between the ages of 18 and 25 will generally pay less then her male counterpart. This is because generally speaking younger women have fewer accidents and moving violations than males in the same age group.
Some of the reasons that this is the case is because males on average drive more then females. And if you drive more then your odds of being in an accident increase. Also, young men are more often risk takers behind the wheel. This often results in moving violation tickets. Both of those factors result in higher premiums.

Gender does affect your rates, because statistically females drivers have less incidents than males. Just like location, marital status, and driving history affects your rates.

Now for the good news, most insurance companies recognize that because you did drive more as a young man that when you are a bit older and your driving experience grows, you can look forward to paying less than women. This is especially true if you have a good driving record and no claims."


(from carinsurance.com)

Answer 4

Insurance companies employ actuaries who love numbers and statistics and have no love life, so they analyze lots of data. They determine from that who is a higher risk. So they determined from that that it's not women in general, but there are a lot of other factors like age, and experience, occupation, credit, that figure into determining a rate. There's no pleasing anyone though. If the answer was that they threw a dart at a board and you guys lost that wouldn't be fair either.

Answer 5

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RE :Why do woman get cheaper can insurance?
If blokes got cheaper car insurance because obviously we're the "better drivers" ha then all you woman would be complaining...
Follow 9 answers

Answer 6

They determind the rates by age and gender; less experienced drivers and men have a higher fatality accident rate then women. Women may have more fender benders in the mall parking lot, but at least we don't kill as many people on the hwy.

Answer 7

yea my brother is deffiantly not the better driver hes gotten 4 tickets and 2 accidents and his male friend ran into a street light in the day time with plenty of sun light in an empty parking lot Me I have gotten no tickets and have gotten in no accidents I think the worse thing i did was put on the emergency brake but no one could turn it off

Answer 8

It's all about the stats. Despite what sexist men say, women have fewer claims. So they are a better risk and are therefore given lower rates.

Answer 9

Because actually you are not better drivers, at least not statistically. You are in more accidents that cost more money to settle than your female counterparts. It shows in your attitude dude.

Answer 10

because us males tend to buy super-powered trucks and cars and want to show them off to everyone. and even if it isnt a super-powered car or truck, we still think they are. and the insurance companies dont like that, because there are people like me that are like that and blow up motors and hit other vehicles while roasting my tires to the rims or doing donuts in the middle of the road, or going off-roading and mess something up.