Usually when men or women get preferential treatment over the other sex it is called discrimination. However, throw in actual statistical data that proves one sex is better than the other and it’s not profiling or sexist, but legitimate business practice. Fortunately for women, they have been found to be the preferential driver for insurance companies.
Yes, women can get cheaper car insurance rates than men. Why? The simple statistically proven fact is that women tend to be safer drivers and avoid car accidents more than men. And the accidents that women are involved in generally result in less expensive claims. Fender benders unite!
It’s hard to dispute the facts and statistics. Particularly, it is the younger women who end up the safest. Women ages 18 to 25 simply do not have as many accidents, do not receive as many speeding tickets, and are not involved in as many moving violations as their male counterparts.
Perhaps it’s the experience of freedom and exhilaration in a car young men have in their teens and early twenties that push them to drive faster and take more risks. How many news stories have you seen lately where a young male driver was in a fatal accident after losing control while racing down public streets? It’s a recurring and sad news story.
But the record shows that women of all ages drive less, wear their seat belt more often, and drive shorter distances than men. In addition, women with children tend to be safer and more careful on the roads as well.
What is the premium savings for women? It differs from company to company, but the difference is not much. But every little bit helps. If you are a female with a clean driving record, be sure to ask your auto insurance agent about the possible savings you could get simply “‘because I’m a woman.”
