The rates for car insurance are based on the statistical risk level the driver represents. When drivers compare auto insurance quotes they discover that female drivers pay lower rates. Female drivers are in fewer accidents and when they are, the accidents are not as serious. Male drivers have a different attitude behind the wheel of a car than female drivers. Data shows that this attitude carries a higher risk, both in financial cost and in life.
Why does auto insurance for females often cost less than for males is a question that is asked all the time and the answer boils down to the driver’s mind-set. Aggressive driving is defined as the attitude the operator of a motor vehicle has when they deliberately conduct themselves in a way that increases the risk of a car accident. This kind of driving can lead to punishable crimes such as manslaughter or murder where the driver can kill another driver or himself.
The U.S. National Highway Traffic Safety Administration states that aggressive driving develops in the following progression of traffic violations:
- Speeding – going over the legal speed limit
- Excessive lane changing – changing lanes for no apparent reason
- Improper passing – failing to use car signals, using the shoulder or emergency lane to pass, cutting into the path of another car
- Tailgating – driving too close to the back of the car in front
Female drivers tend to have fewer traffic violations. So when we compare auto insurance quotes we can conclude that females are a safer risk and insurance companies recognize this with reduced rates up to 10% less depending on the company.
This does not mean that a woman with a poor driving record will get a reduced rate. If she is a reckless driver herself she could spend as much on insurance rates as men. It literally pays to be a safe driver no matter what the gender of the driver.
Globally about 1.2 million people die in car accidents each year which is about 3000 people a day. This does not include people who remain living but whose life styles have been permanently altered. In the US in 2009, 33,808 people died in traffic accidents.
When we compare auto insurance quotes we see that safe driving reduces insurance rates. The more drivers who practice good driving attitudes the safer the roads will be for everyone, including the passengers.