Are car insurance rates lower for women than for males? In short, the answer is yes. But are women better drivers? How to find the specifics which have some bearing on the premiums for ladies car insurance?
There are plenty of you out there who would argue the point that ladies are better drivers, but statistics prove otherwise. In fact, when women have been first allowed to drive, earlier in the last century, and when there were a handful of them on the roads, they certainly were not the best drivers. They had hardly any expertise behind the wheel and were given little training. But, now that women grow up in cars, are given driving tutoring similar to men, they are as good or better than male drivers.
This is generally due to the genetic difference between men and women. Men tend to have more aggression within the form of testosterone, and this makes them slightly more daring behind the wheel. For this reason they race, they chase folks, and there’s so much road rage. Not that women don’t suffer from road rage, too, however not often to the extent that men do. Ladies are usually extra watchful behind the wheel and would preferably let someone cut in front of them as a substitute to blocking them out and contributing to road rage.
It’s necessary to notice that because the number of women drivers increases, this hole continues to decrease. Nonetheless, statistics present that women are actually in fewer accidents than men are. This doesn’t mean that women are particularly “better” drivers. What it means is that car insurance firms understand them as more “careful” drivers. And from the insurers’ standpoint, “careful” is synonymous with “better” if it saves them money. That’s why rates for ladies car insurance tend to be lower.
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