Men get higher car insurance, so isn't it fair that we should get paid more?

Question

It is 'assumed' we are more aggressive drivers, henceforth more dangerous and a risk. This is a broad generalizaion as not all men are aggressive drivers.

Women aren't happy that it is 'assumed' men are better woker than women, henceforth men get paid more. Again this is a generalization as women can be good workers.

Wha do you think?

Another flaw for the feminist movement.

Read the details please. I said it is 'assumed' we are more aggressive drivers and henceforce more prone to having accidents. But on the other side, women are 'assumed' to be less effective workers, therefore get paid less.

Jellybean you say a man can take public transportation. Public transportation is nowhere near as conveniant as owning a vehicle. You say women have to pay for the kid if the dad doesn't pay child support. Well she should have know what she was getting into. You also say they need to buy makeup and whatnot, this is clearly not needed. A lot of women don't even use makeup.

Jellybean you say women have to pay for clothes and hair products. So you think men don't need to buy clothes? Or don't need to wash their hair?

Sigh... Baba Yaga... I didn't want to do this but... It is not 'assumed' men are better working than women because they are. Men are physically stronger in all aspects and are smarter than women by 5 IQ points. They also take less time off than women (periods, etc) which makes for more work done. Men are usually harder-working than women. Studies prove this.

Answer 1

Under the current insurance system, the insurance firms use "gender profiling" to determine auto insurance rates...men pay more than women because insurance companies choose to penalize low-risk men for a relatively few mens' high risk behavior. This is grossly unfair, and constitutes blatant sex discrimination against men.

A better approach is to determine insurance rates based on an individual's personal driving habits via the use of black boxes installed in your own car. Insurance companies have been conducting experiments in this area for the past several years, but its not clear why this has not yet been introduced.

You dont see women upset about this disparity in rates because it works in their favor. So much for their intellectual honesty.

Jellybean, you answers are incorrect, simplistic and reflect the absence of a brain.

Answer 2

"But on the other side, women are 'assumed' to be less effective workers, therefore get paid less."

Have you really seen any credible evidence of them being payed less, Tanks? I don't really think there's an applicable discrimination against women in this case; women get paid less either because they DO less (in the case of a project by project paycheck) or take off time and as a result don't get promotions or raises.

That said, I'm not so sure that men should be paid more for higher car insurance; that's just an extra benefit for having a penis, which I disagree with. Payment options really are left up to companies, and if they actually have factual statistics that say men are in more accidents, they have the choice to tack on higher prices.

That said, the stereotype of bad female drivers abounds (I have personally seen it myself riding in at least three different cars, not to mention hundreds on the road), and probably has some truth; the fact that males are driving more makes me question it as well. If they aren't driving an equal measure of time, you're comparing apples to oranges, which is NOT a good idea in just about any practice.

Answer 3

Actually, women don't get paid less. If you control for the number of hours worked and the jobs worked, women get paid the same as men. The difference is that more women are in occupations that are lower-paying, and more women take time off to raise their kids.

So, if for example you compare two physicians with similar experience and similar practices, both of which have never had kids, you can expect the male doctor to be paid about the same as the female doctor, and this is what the facts show. However, if you compare a male stockbroker with a female customer service rep at the same company, the male stockbroker would of course make more money. And it turns out that stockbrokers are more likely to be male, and customer service reps are more likely to be female. Also women are more likely to take time off to raise kids, which delays their promotions. So if you looked at the salaries of men and women at that company without controlling for occupation and time taken off for kids, the men would make more.

By the way, it is not an "assumption" that men cause more car accidents, it is a proven fact, based on accident records. Insurance rates are set based on expectation of future losses, so men should pay more. Also, very young and very old drivers cause more than their share of accidents, so young drivers pay more than the middle-aged. (Old people have better lobbyists, so they can often escape higher rates! ;-)

Answer 4

I will admit that women are generally the poorer drivers of the two genders as they tend to be slower and indecisive.. However men are more arrogant and self assured behind the wheel, which in the long run causes more accidents, because they do rash things without giving time to asses the conditions around them properly (i'm being serious, i've seen it so many times now).
Regarding this, I don't see why men should be paid more for having big egos, which could effectively cost lives. Sorry chum

Answer 5

Men pay more for car insurance, but they don't necessarily have to drive a car. If they take public transportation, then there is no insurance to pay for. Or they can find a car that has cheaper insurance to make up for it.

Women, on the other hand, have to pay for menstrual products, and most birth control options. And if a single woman gets pregnant and the father skips town, or if a married couple divorces and the father doesn't pay child support, then the woman has to pay for all of the child's expenses.

Women also pay more for clothes, hair products, and makeup because there is a lot more pressure on women to look good than there is on men. To look fashionable, men can wear the same pants and shirt their whole lives, but women muct keep buying different clothes when old ones go out of style.

So, no, there is no reason to rationalize higher pay for men with living expenses. People choose to use their money however they want, and wages are based not on living expenses but on the percieved value of the employee.

Edit: Please link the study where men are 5 IQ points smarter then women. Anyway, my point is that salary should not be based on one single expense in life where men pay more than women. Yes women don't need makeup. And men can save money on car insurance by driving a cheaper car, or not getting tickets.

It is true that women take more time off then men, mainly for maternity leave. (You can't include the occasional day off for periods, because in the vast majority of companies men and women get the same number of sick days to use at their choice) Say a maternity leave lasts 4 months. If a woman has 3 children, then that is a total of 1 year out of work. Does one year justify a 25% decrease in pay? Think about it, if someone was not working for a year, if they came back would everyone else be making 25% more than them?

It is true that men are generally physically stronger than women. At my job as a chemist, the men have to take out the roughly 40 lb tanks of waste chemicals. In return the women have to do other types of cleanup around the lab. My point is that most jobs can be done whether or not a person is physically strong. The strength argument doesn't make sense anyway, because people make more money as they age, even though they are getting weaker.

And to the other answers below me, Jeebus people! I was simply using his logic (men are charged more for car insurance so therefore they should be paid 25% more) and applying it to other areas of life. Generalizations are not correct, but it was what he was using. In a lot of places you do need a car to get around, and in some businesses women who dress well and wear more makeup will get more raises from their male bosses.

Answer 6

Income and expenses are mutually exclusive.
Your pay rate is based on the market value of the job you do.

Car insurance rates are based on statistical demographic data and the insurance industry's "fair market value."

These rates are calculated independently of each other.
And no one is forcing you to own a car. Other forms of transportation exist.

You have some control over your earning potential and you have total control over your expenses. It is a matter of choices. Fairness is irrelevant. Life is not fair.

Answer 7

Insurance companies also charge a lot for Porsches, supposedly because of their horsepower to weight ratio, but Porsches are one of the least likely makes to get into accidents. Insurance companies are slimy, and will use whatever reason they see fit to charge more; they also buy $3000 radar guns for police departments. Personally, I think men are better drivers, but enough of them view the road as a racetrack & anger outlet that it probably offsets the skill difference.

Answer 8

Ummm, since when is car insurance based on gender, and can you prove that it is(I actually heard that it was women that had to pay more because women drivers are worse then men)? If you are paying more then a female, maybe you should look at both of your driving histories. Do you have more traffic violations or accidents then she does? Have you been driving for less time then she has? What types of cars do you both have? Is there anyone else on the insurance that you are paying for besides yourselves and what are their driving histories/vehicle types? And what are your ages?

Answer 9

women human beings might use greater wellbeing care centers whilst youthful, yet adult males, in line with possibility because of the fact the do no longer flow to the wellbeing care professional early, value the plans greater desirable than women human beings do overall. costs are not desperate by making use of sexism, they're desperate by making use of human beings talked approximately as actuaries who look a info on utilization, on injuries by making use of miles pushed, on the expenses of those injuries,(a woman might have a dented fender, yet a guy might have a totaled motor vehicle) or the ratio of under the effect of alcohol drives male to woman, and whilst they take all those info and greater into consideration the arise with an volume that promises them an identical income ratio. So its no longer random, or sexist, its in line with lots of the dullest math interior the international.

Answer 10

no...the reason men have higher premiums is because statistically they (in general) are more like to have an accident. Is it fair...no. It sucks when everyone gets punished for others errors, but trust me your (men) not the only ones who suffer. Men have high rates, but younger drivers (16 to 24) have it even worse, but they too are more accident prone. It sucked being a female driver and paying out of my @$$ for insurance, and I have an accident-free record.