Nj Speeding Points
2009
Are auto cover rates lower for women than for men? In short the answer is: yes. But are women better drivers? What are the facts influence the rates for ladies car insurance? Here are some of the most important ones:
1. Women are involved in auto accidents. It’s important to understand that women can both be involved in auto accidents, and can cause them as well. This may seem as obvious as saying that cars have wheels. But it’s crucial to remember this fact, because it’s still possible for women to have high premiums for their auto cover. If they’ve received driving record points for speeding, their rates will be higher. If they’ve received points for at-fault accidents, their rates will be higher. Well, you get the picture. The bottom line is that men and women alike should drive with caution.
2. Women are in fewer accidents than men are. It’s important to note that as the number of women drivers increases, this gap continues to decrease. Still, statistics show that women are certainly in fewer accidents than men are. This doesn’t mean that women are particularly “better” drivers. What it means is that auto cover companies perceive them as more “careful” drivers. And from the insurers’ perspective, “careful” is synonymous with “better” if it saves them money. That’s why rates for ladies car insurance tend to be lower.
3. Women cause less damage in accidents. This is yet another reason why automobile coverage companies consider women to be “safer” drivers. Obviously, less damage to vehicles means smaller claims and lower costs for insurers. Again, it’s not personal-it’s business. While the reasons are arguable, men tend to drive more aggressively than women do.
So there you have it! While the rates for ladies car insurance are lower, there are reasons. Although women drivers aren’t inherently “better,” they tend to be “safer.”
Eddie Abel is a researcher, blogger, and a ladies car insurance specialist. Click this link to get your FREE quote or find more practical cost-cutting insurance tips and advice at his site: Cheap Car Insurance
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