Reasons Why Female Drivers Get Cheaper
Everyone knows that car insurance for women are cheaper compared
to men. You can go to any car insurance company and you will find that there are cheap premium rates are
given to female drivers. Perhaps you are wondering why this is the case. If you are interested to know the
reasons why they can avail cheaper rates compared to men, read this article.
One of the reasons why car insurance for women are cheaper is
because female drivers are more careful compared to men. Statistics show that more men are involved in car
accidents compared to the opposite sex. That is why males are considered as high risk drivers by many car
insurance companies. Women on the other hand are known to obey traffic rules and usually stay on the speed
limit. Because of this, insurance companies view them as low-risk drivers.
reason is that, more male drivers own cars compared to female drivers. Because of this, the risk of being involved
in an accident by men is greater compared to women. According to studies, there are women who prefer hiring drivers
than actually driving and at the same time, women don’t like to have expensive cars as they are costly when it
comes to repairs and maintenance. Some even prefer keeping their cars in the garage when they don’t feel like driving. Because of
this, there are lesser women involved in accidents as compared to men. This is why they have lesser premium charges
when it comes to car insurance.
Men in general have like different types of cars. They prefer to
own something that represents themselves, some choose big cars or sports cars. These are expensive alone not
to mention their maintenance. They are also expensive to insure compared to the type of cars the female
drivers pick. The type of cars they drive alone can tell that there is a huge difference to the amount of
premium rates that they pay.
Another good reason why male drivers get more expensive car
insurance rates compared to females is because of how they drive. There are more aggressive and careless male
drivers compared to females. You can seldom see women drivers who are speeding along the highway or being
pulled over. Men on the other hand have been known to be reckless drivers. Female drivers are more cautious
and conscious when they are driving. There are also lesser incidents where a female driver has been caught
driving while intoxicated. This is why car insurance companies consider them as low-risk drivers thus the
cheaper charges they have on their car insurance policy.