Why do women qualify for cheaper car insurance premiums?
The obvious answer is that they are regarded as safer drivers and car insurers have reason to believe that they are less likely to be claimants in car insurance claims! The hard fact, sometimes difficult for male drivers to admit, is that this is no guesswork – but rather the mathematical and statistical truth from actuaries at car insurance companies who study thousands of claims by male and female drivers over many years.
It might be important for us to investigate why women qualify for cheaper car insurance premiums. Is this justified and why? Are their perhaps other reasons than driving ability that differentiates male and female drivers? I believe that there are important reasons why we cannot regard safer drivers also as better drivers.
Why is “safer drivers” not necessarily the same as “better drivers”?
I believe the answer is to be found in the analogy of the safe swimmer. The safest swimmer is not necessarily the better swimmer. It could simply mean that the safe swimmer keeps to the shallow water, takes no unnecessary risks and simply does not swim as much in the deep water battling the strong currents in the same manner that the better swimmer does? The safe swimmer in the shallow water is less likely to be the victim of a shark attack than the better swimmer who is riding the big waves deep in the sea!
The safer driver and driver with the lower risk profile might be the driver who is less confronted with risks on the road. These risks might be from his/ her own driving behaviour, vehicle risks, environmental risks and more importantly – the risks presented by other less law abiding road users!
A few questions
I would like to suggest that you ask the following questions:
– Who in your family household drives the most – Mom or Dad?
– Who at your place of employment drives the most – your male or female colleagues?
We often find that women drivers drive shorter distances and seldom travel the very long distances. Amongst married couples we mostly find that even though both might have the same driving ability – it will be the male driver that drives the farthest when taking the family on vacation.
It is a fact that women on average will not drive the same distances as their male colleagues. Only in some occupations, such as that of the career driven medical representative will we find that these women travel significant distances – and these are the exceptions to the rule!
Conclusion and car insurance advice for women drivers
Reduced travel represents a reduced risk of vehicle accidents – and this is why women drivers can find cheaper car insurance. It is important for women drivers to shop around and find the car insurance policy that recognize these reduced risks with reduced car insurance premiums!