Cheap Car Insurance for Women – It's Cheaper, But
Why?
By Elizabeth Newberry
“Women drivers.” Most of us have probably heard that phrase grunted
from a man in our lives, whether a friend, family member, coworker,
or complete stranger. And, most women have probably been somewhat
aggravated by the negative connotation. But, did you know that
women’s car insurance is generally cheaper than men’s car insurance?
It’s true, and as sexist as it may sound, it’s actually not. There
are a plethora of statistical facts that tend to cause car insurance
companies to offer lower rates to women drivers than to men drivers,
and none of those reasons include the idea that women drivers can’t
drive!
Car insurance companies have researched data over a number of years,
and the findings support the idea that, as a whole, women drivers
aren’t involved in as many accidents as men drivers, and the motor
vehicle-related accidents that women drivers are involved in often
don’t cause as much damage as motor vehicle-related accidents men
drivers are involved in. Women drivers also don’t commit as many
motor vehicle-related crimes as men drivers. As if all that weren’t
enough, women drivers are also more likely to pass their driver
licensing exams on the first try than men drivers.
Because of these statistics, car insurance companies are more apt to
offer cheaper car insurance to women drivers than they are to men
drivers. Women aren’t being offered cheaper car insurance rates
because they are women; they are being offered cheaper rates because
statistics show car insurance companies that lower rates are not a
dangerous bet for them.
Of course, this isn’t to say that women are better drivers than men,
or that any woman driver out there is going to be a better, or
safer, driver than her male counterpart; however, it is to say that
statistics point to the fact that overall, women are generally safer
drivers than men, thus resulting in the reward cheaper car insurance
for women.
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