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What Are The Risk Of Online Auto Insurance For Male And Female?

The battle rages on between the sexes. The one place where women and men will never be equal is in the calculation of online auto insurance. When it comes to the calculation of auto insurance, women and men are rated on different scales according to risk. What are those factors that determine the price and who gets the short end of the stick when it comes to getting stuck with a higher bill for their auto insurance needs?

We all know the stereotyping about women drivers. We have all been brought up hearing that women just don’t make good drivers. Is that how the insurance companies feel and think? Is that what is reflected in the auto insurance costs overall? The answer is that men are the ones who bear the most of the risky behavior when it comes to auto insurance costs. Men traditionally have paid more for their auto insurance. Overall, men have riskier driving behavior which leads them to pay higher on their auto insurance costs.

The highest risk insurable group is men under the age of 25. Although even if you get past 25, the price differential is never fully equal. Statistics show that male drivers were involved in some 18 million accidents than female drivers during the time frame from 2000-2009 according to the National Department of Transportation. As a group, women tend to get into fewer accidents, have fewer driver-under-the-influence accidents [DUIs] and most importantly, less serious accidents than men. Overall, it would appear that younger men tend to drive more aggressively and recklessly than their female cohorts almost at all age categories.

However, as men age, they appear to engage in less riskier and less aggressive driving practices which is why the rates between men and women almost become flat with time. So, the answer to the question is that insurance companies do not subscribe to the notion that women are worse drivers than men especially not in the younger age groups and that reflects heavily on the cost differential between men and women.

The good news is that it will not always be that way. If you are a male, you are able to do things that will overcome the risky behavior of your cohorts. By keeping a clean driver’s record, credit rating, and making good choices when you are behind the wheel of a car, you may not even notice the difference. The best thing to do is to comparison shop across insurance companies. Use the space at the top of the page to input your zip code. Within moments, you will receive your free rate quote allowing you to compare your existing rate to others available. Make sure you are not overpaying for your insurance needs today. Also, make sure to ask your insurer if there are any discounts not advertised that you may be eligible for. Overall, doing your shopping for online car insurance will save you the most in the end.