WHY DO WOMEN GET LOWER CAR INSURANCE RATES?

There are plenty of reasons to prove that women are better drivers than their male counterparts and insurance companies have realized fact. In a recent study carried out by QUALITY PLANNING, a survey company, the statistics speak for themselves! Women are by far the safest drivers! Men are more likely to break traffic rules, get in to severe life threatening accidents and drive dangerously as compared to women. According to the Insurance Institute for Highway Safety survey too, the statistics state the same thing with more men than women dying every year in vehicle crashes due to careless driving.

Here are a few reasons that women make for much safer drivers as compared to men-

1. Statistics show that more than 90% of convictions for driving offenses are related to men, worldwide. Men are more prone to road rage incidents and that means more accidents on and off the road just waiting to happen. Women on the other hand are more likely to spend time in traffic reading or talking with friends.
2. Men are responsible for nearly 90 % cases of all convictions for rash and dangerous driving.
3. Women tend to driver slowly and more carefully and are considered safer drivers than men. Although the number of accidents caused by both genders is almost the same; women are more likely to have simple fender benders, while men ensure that the accident is well done!
4. Women generally tend to drive shorter distances than men and that reduces the chances of accidents even further.
5. The majority of accidents caused by women are due to reversing errors and collisions with inanimate objects! Men on the other hand collide properly with other cars in the form of complete collisions, loss-of-control crashes, and dangerous incidents involving walker-bys. If women are involved in any accident the damage is less serious, as a result the claims on the company and the eventual payout is small.
6. Women generally prefer smaller cars and do not care much about flashy accessories and modifications. The smaller the car, the better the chances of safer driving and no accidents.
7. Men are more adventurous and are risk prone. It is in their genes. Women are more careful in nature and this shows in their driving statistics too.

Women are cautious by nature and so car insurance companies do offer women options like breakdown cover, comprehensive coverage, collision coverage, property damage coverage etc all at great discounts because of their safer driving. While filling the form, do mention any additional security features you may have installed like an extra security driving license, low mileage, an excellent driving record, a good credit history, etc for additional discounts on your insurance premium.