Auto Insurance for Women

Is Auto Insurance Women Buy Cheaper?

There is a nasty stereotype in American culture where men frequently upon being cut off by a woman on the freeway or when making a rude remark to their wives will utter the oft-heard phrase, “women drivers.” But as many people know, this couldn’t be more false. You know why? Because auto insurance women buy is cheaper than auto insurance men buy. And that’s not just to be courteous to the fairer sex; the auto insurance companies put their money where the facts are by charging women less for insurance because men tend to be higher risk drivers.

Are Women Really Better Drivers?

The answer to the question is, yes. Why? Because studies show that women drive slower than men. They get less speeding tickets so they are less dangerous on the road. Also, women are involved in lower speed collisions which do less damage and that’s one reason why auto insurance women buy is cheaper. Also, women die in fewer car accidents annually, probably because they are travelling at much slower speeds and because they tend to wear their seatbelts more often.

According to a study by Carnegie Mellon University, men have a 77% higher chance of dying in a car accident than women! In 2006, there were 42,469 fatal car accidents in the United States and, of that total amount, a whopping 29,722 were men. Another shocking statistic from the Carnegie Mellon study shows that a risk-taking daredevil 16-year-old male has a lesser chance of dying in a collision than a cautious 82-year old woman. Why is that? It’s not that 82-year old women get in more accidents, but their frail physiques make it much more likely that they will be seriously injured.

Another reason why the auto insurance women buy is cheaper is because they tend to take shorter trips in the car than men do. Because many women tend to work closer to home or, in some cases, they are housewives, women drive less miles annually than men. The auto insurance women buy is cheaper because less time on the road means less chance of getting into a car accident. Another reason why car insurance women buy is cheaper is because men have a much higher incidence of driving under the influence of alcohol. For example, in the United States in the year 2007, women were arrested 162,493 times for driving under the influence while a whopping 676,911 men were arrested. That’s a major reason why car insurance women buy is cheaper than auto insurance for men.
Given the higher rate of driving under the influence arrests and the fact that women tend to drive slower and less aggressively, it is obvious why auto insurance women buy is cheaper the first time they get their driver’s license. The average rates paid by men don’t begin to come close to the auto insurance women pay until they begin to reach the age of 25.

Women May Have Different Insurance Needs

When you look to buy auto insurance women need, you should think about what type of coverage would benefit you the most. If you have children, you should get uninsured motorist bodily injury just in case any young passengers or their young friends are injured after being hit by a motorist who is uninsured or under insured. Also, personal injury protection coverage would be very useful should anyone be injured from an auto accident whether it was your fault or not. Also many women like to purchase roadside assistance packages in case their car breaks down at night or they are having difficulty replacing a battery or a flat tire.

In the end, women should be sure that when they purchase auto insurance women buy because there are some fly-by-night insurance companies out there that may try to rip women off. Although car insurance women buy is cheaper, beware if someone gives you an auto insurance quote that seems unrealistically low. Although you may trust the rate they initially quoted you, later they may raise the rate stating a “technical mistake.” Auto insurance women buy is cheaper, so be happy if you’re a woman and enjoy it!