Every female who ever got behind the wheel of a car has probably at one time or another heard at least one or two jokes (or derisive comments ) about women drivers. Ask you average male driver and he will probably tell you he is a better, safer driver than his wife/girlfriend/mother/sister. Problem is, the car insurance industry does not agree and women's car insurance is often cheaper than men's because the car insurers feel that it is women who are in fact, on the whole, the better drivers.
At this point if you are a woman you are probably nodding in agreement while most men are protesting loudly. No not all women all great drivers and not all men are reckless speed demons but the car insurance companies cannot send out a rep to sit in the passenger seat and access the driving skills of every individual they sell a car insurance policy to in order to set their premium rate. Instead they rely upon statistics and surveys.
And the simple fact is that these statistics all indicate that on average women are better, safer drivers than their male counterparts, making them a better risk for the insurance companies. For example men are twice as likely as women to be involved in a serious car accident that involves extensive damage and/or bodily injury. There are also more women drivers on the road whose driving record is blemish free than there are men.
So yes, women's auto insurance premiums are likely to be a little lower than men's but there are things the guys can do to close the gender gap and score an inexpensive insurance policy as well. Spending an afternoon taking a defensive driving course will score them big points with all the insurance companies (as well as get them a nice piece of paper that states they are indeed safe drivers, even if they are not female.)
The author has spent a lot of time researching women's car insurance Read more about female car insurance at Adam's website.
Article Source: http://EzineArticles.com/?expert=Adam_Sekunda
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