Car Insurance Quotes

A persons age and gender along with certain other factors, is what the insurance industry uses to determine the premium for insurance. In some cass, using this data places a burden on certain drivers to pay more for insurance than others. A common misconception held that men were better drivers than women resulting in higher premium car insurance for women.

The division of classes for car insurance for women and men, are mostly a thing of the past because of recent studies that have shown women drivers are just as responsible and safe as men drivers.

The old adage that men are better drivers than women has made many to believe that car insurance for women is higher. In reality that is not the case, a recent study conducted by Carnegie-Mellon University shows otherwise when it comes to the battle of the sexes on the road. A result of the data was that a man has a 50% greater chance than a woman to be involved in a fatal accident.

Further evidence from the insurance industry revealed that while 68% of women have no traffic violations, men who have never received a traffic violation is only 64%. Men also are more likely to have multiple citations than women, as a further question revealed that of those who do have citations, women had 10% less violations than men.

Since the insurance companies are aware that women are lower risk, many insurance companies gear specific programs toward car insurance for women. This eliminates the possibility that a woman will pay a higher rate than a man will simply because of her gender. As a result of the special car insurance for women programs, Insurance companies are making their products more practical and affordable all their customers.

The misconception that car insurance for women is more expensive has been debunked, as the industry has discovered that young men are actually the highest risk group. You can simply find out how your rates compare to other drivers by checking out a free web quote offered by may insurance companies. A comparative quote will show the real difference in premiums and lay to rest the myth that car insurance for women is higher.

Although the general perception may be that women are worse drivers than men are, the insurance companies that underwrite car insurance for women do not necessarily reflect this. Although insurance providers use demographics and gender as a consideration, the mere fact that one is a man or woman is only one factor in determining the amount of that person’s premium.