Whilst many men drivers are just as competent as female drivers, there are a number of reasons to explain car insurance providers motives.
Statistical data and various different studies have deduced that male and female drivers have differing driving records in relation to crash rates and insurance claims. The upshot of these results is that they demonstrate male drivers are more likely to be involved in a car accident and therefore claim on their car insurance more frequently.
Understandably, with women a significantly better insurance risk, car insurance providers are qualified to lower the rate of womens car insurance. There remain a number of gender differences when it comes to driving a car. Women drivers are regarded as safer drivers. This does not necessarily mean that they are better drivers for car insurers, safety is their number one priority.
Another significant factor in the cheap rates of womens car insurance policies is mileage. Women drivers generally drive fewer miles than male drivers and their annual mileage is therefore significantly reduced. Mileage is an important yardstick for car insurers, as drivers with significant mileages are more likely to be involved in a car accident.
The macho statement that can be made by a male purchasing a powerful, sleek sports car is an alluring pull for male drivers. Meanwhile women tend to buy cars that are built for safety and practicality, with greater safety features that can often earn them greater car insurance discounts.
Nevertheless, the overall trend of gender difference at the wheel appears to be narrowing, with women in reality just as susceptible to moments of aggression at the wheel. Nevertheless, until statistics and figures can point to a shift in the gender balance, womens car insurance premiums will continue to stay low.
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