Since the beginning of car age when more women started using automobiles the dispute has remained the same. Are men better drivers than women? Despite the fact that there's no real scientific proof to the statement that men drive better and safer than women, you will rarely hear a man confessing that his wife or girlfriend drives better than he does.
So, who is really a better driver? Who is less involved in traffic violations and car accidents? While many male drivers think for a second when answering the question, auto insurance companies have already analyzed the statistics and answered the question.
According to data gathered by insurers, young male drivers are the most risky and likely to be involved in car accidents. Men between 16 and 25 of age are much more frequent participants in accidents and are more often charged for traffic violations. These statistics affect the way companies set their auto insurance rates for this group of drivers.
There are numerous disputes on the topic and men tend to state that women are worse drivers. Official statistics from the TrafficSTATS 2007 study show that men are more likely to get involved in fatal car accidents than women by 77%. The study involved information from FARS (Fatality Analysis Reporting System) and the National Household Travel Survey, estimating deaths per 100 million trips. The numbers were 14.61 for men and 6.53 for women, while the total number of deaths due to traffic accidents during a 6 year period between 1999 and 2005 was 175,094 men and 82,371 women.
Insurance Institute for Highway Safety (IIHS) indicates that 14,512 men died due to car accidents in 2007 compared to 5,865 women. Although there are more male drivers on the road than female drivers, the numbers still support the TrafficSTATS study.
Age analysis shows that men between 20 and 24 are more likely to get killed in a car accident, while women between 16 and 19 have higher fatality rates than women 20–24 of age. Most insurance companies agree that young men have a much more aggressive driving style and tend to break the law much more often than young female drivers.
So are younger drivers always subjected to higher insurance rates when getting a policy? Fortunately no, although the tendency is right. Car insurance companies tend to evaluate risks differently so it is very important for a young driver to compare car insurance quotes from different insurers before getting a policy.
One of the ways to make car insurance less costly is going through a course of defensive driving. Having evidence that you have passed through such a course can lower your annual premiums so more and more drivers of all age groups are considering this option. One of online course providers notes that in 2008 there were more men applying for such courses than women. Does it mean that men start thinking of their driving abilities and risks associated with their aggressive manner of driving a car? Maybe. But the statistics are much more precise in answering that question.
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If you're anything like me, you'd love to reduce your auto insurance premiums yet not reduce the protection you get. But do you have insurance agents as friends? I do. Two of them. So, after doing some research online, I talked to them about my findings. My findings were many. Your premium's decided based on who you are (your driving, credit, claims history), the car you want to insure and where you live. Which makes perfect sense to me.
Car insurance rates for young drivers is typically quite expensive. Insurance companies determine the premiums to charge on their policies by how risky a situation is. In the case of auto insurance, companies will base their policy costs on how risky they see the driver and the vehicle being insured. Younger drivers, especially teenagers in the 16-18 year ago group, historically have some of the highest rates of getting into motor vehicle accidents. This means drivers in this age group are deemed so risky by insurance companies, they normally have to pay much more than drivers in other age groups who are insuring the same kind of vehicle.
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Getting your vehicle insured properly is time-consuming if your conduct it via regular agencies, but most driver never skip to insure their car anyway. A short amount of time spent on the Internet will prove excellent if you want to avoid those lines, annoyance and waiting time. It is not only rapidly resolved, it will also save some money in your pocket. Since this is a necessity for all possible cases of incidents and accidents on the road, getting online insurance must be considered as a good option to take care of such expense.
It is logical that higher premiums have countless benefits, although practically everyone is deciding to choose the cheaper versions of auto insurance. These are simple and indisputable facts. Being in economy crisis and feeling it all over, you simply cannot save on everything by having the cheaper variants.
