Equality is something what the gender movements are after. Waves after waves of feminism clamor for equality regarding gender and the rights that comes with it. Women struggle had gone successful since then. Even now, there are realms where they triumph over men - like in the insurance business.
Car insurance companies prefer women over men. It is because they found women to be safer drivers in general. Hence, if a driver is safer, they would not end up paying for accidents all the time and they can devout their resources to the expansion of the business and to answering to the real accident scenarios. After all, the risks are lower because statistically speaking; there are more male drivers than female.
So why do they consider women to be safer drivers? Below are the few things that they claim.
Women maintain consistent speeds while driving. One common cause of vehicle collisions is that a car tries to break speed limits while on the road. Drivers either wants to overtake because the vehicle in front is at snail's pace or they want to get to their destinations faster or they just want to beat the red light. Whatever the reason is, not maintaining a consistent pace can have unintended consequences on the road. If you look at the trends of accidents, you will find more male drivers than female citing impatience or the above said reasons for speeding and overtaking. Of course, for insurance companies, whenever one of our folks did something bad the whole team was compromised.
Lesser DUI frequencies. Again, looking at trends in car accidents more specifically at DUI cases resulting to vehicle collisions, women fared better than men. It is either they don't get caught that often or they are really more obedient drivers. Whatever the reason is, it became a plus point for them in the eyes of insurance companies. As statistics would show, there are more cases of DUI accidents in males than females. And most of the time, at least for college students, when a boyfriend is out cold and too drunk to drive, the girlfriend takes the wheels.
More observant of street signs. While on the road, statistics would also show that women are observant of details such as the road signs. In mountainous areas or roads beside cliffs, the common cause of accidents is that the driver failed to see a sign saying that there is a sharp curve ahead so they end up driving right into the cliff. And it seems that there are more male drivers involved in such accidents than females - another plus point for their team.
Now, whether those things are true or just a statistical glitch, women get the best deals in car insurance. So if you happen to be a woman or you know somebody looking for a car insurance, take extra time to look for the best deals. It is true that most car insurance companies offer cheaper premiums however there is still a less expensive deal among those offers.
Resource: http://www.isnare.com/?aid=406175&ca=Finances
