Women and Car Insurance
Women and Car Insurance
No matter how much we believe in equality, in driving cars, we know that men and women are mostly different. Compared to their male counterparts, females tend to be slower, more careful, and less accident friendly on the streets. The phrase drive like a woman probably means a bad thing for some, yet it is true for many. Women are less aggressive than men in the streets, making them statistically have fewer accidents compared to male drivers in total.
Because of this, in the past, female drivers are always treated differently when they apply for car insurance. Since there are fewer accidents and fewer claims for ladies, usually we can get cheap car insurance for ladies. This is because naturally, with fewer accidents, the insurance provider is less risky to pay for driving accidents which destroy cars. Even if women make accidents, usually they will leave no more than just minor bumps. Very different to what men usually do with their cars.
However, in many areas, today it is not legal to take gender into account. So even though statistically men account for most of the driving conviction number and also the percentage of dangerous driving, they cannot just automatically be given higher quote than women. Since gender bias is no longer allowed to exist in the calculation of car insurance, women car insurance premiums drastically increase.
The type of car a woman drive is also important here. If we have a car with a big engine, the premium quote will also be higher. So in short, if we have a bigger car, our insurance will also be bigger. If we modify our cars, the price can also be different. That is why; we must consider what cars we will use before we drive them.
Besides the type of car and its specifications, the insurance providers also care about how many miles we travel each year. In this case, the more mileage we have for each year, the higher the price of the insurance is. This is because the more we travel, the more our cars are at risk.
And to remember, the area we live in is also a consideration factor. The more unsafe our area is, the higher the price of the premium is. If we live in an area where thieves are common, we will have to pay a significantly higher price. So if a woman resides in an area where the level of crime is relatively higher than other areas, he should pay more for the insurance.
Because of this, in the past, female drivers are always treated differently when they apply for car insurance. Since there are fewer accidents and fewer claims for ladies, usually we can get cheap car insurance for ladies. This is because naturally, with fewer accidents, the insurance provider is less risky to pay for driving accidents which destroy cars. Even if women make accidents, usually they will leave no more than just minor bumps. Very different to what men usually do with their cars.
However, in many areas, today it is not legal to take gender into account. So even though statistically men account for most of the driving conviction number and also the percentage of dangerous driving, they cannot just automatically be given higher quote than women. Since gender bias is no longer allowed to exist in the calculation of car insurance, women car insurance premiums drastically increase.
Cheap insurance for women
Even though sex is no longer a factor, there are other different factors that can determine whether we will get cheap insurance or not. Age, for example, is still an important consideration when people calculate our insurance premiums. Usually for women, the younger ones who are less than 25-year-olds will pay for a higher price. This is because based on the statistic; women this age are still more prone to accidents and claims. Besides, they also make the most severity compared to the other age groups.
The type of car a woman drive is also important here. If we have a car with a big engine, the premium quote will also be higher. So in short, if we have a bigger car, our insurance will also be bigger. If we modify our cars, the price can also be different. That is why; we must consider what cars we will use before we drive them.
Besides the type of car and its specifications, the insurance providers also care about how many miles we travel each year. In this case, the more mileage we have for each year, the higher the price of the insurance is. This is because the more we travel, the more our cars are at risk.
And to remember, the area we live in is also a consideration factor. The more unsafe our area is, the higher the price of the premium is. If we live in an area where thieves are common, we will have to pay a significantly higher price. So if a woman resides in an area where the level of crime is relatively higher than other areas, he should pay more for the insurance.
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