Insurance Auto Claims Offers Female Drivers their Due
For nearly as long as there have been cars, there have been jokes about female drivers. The notion that women are scatterbrained road hazards has survived through the women's lib movement, the inclusion of women in military combat, the politically correct '90s, the first woman in space and the first female on a presidential ticket. Today, the Internet is brimming with humorous anecdotes about demented damsel drivers and photos of female-piloted vehicles in wacky situations. But do women really deserve to endure this stigma?
Women Vs. Men
Not really. The fact of the matter is men are three times more likely to be killed in car crashes than women. If you were to share this statistic with a man who's done his homework, he'd likely point out that a typical man logs far more miles behind the wheel than does a woman ... and if you adjusted women's mileage to even things up, they wouldn't look nearly as flawless. He also might say male motorists are more at risk because women are less likely to drive at night; under the influence of alcohol or drugs; or in dangerous or deserted areas. And he'd be right. But while those facts might pass for what men consider to be a valid argument, they also prove something else: Women are safer drivers. And that's the foundation upon which Cheap Car Insurance for Women was built.
A Fair Shake for the Fairer Sex
When most insurances set their premiums, they take into account several factors with which they determine the risk of drivers being involved in collisions. They compare each driver to others in the same age group; they look at accident statistics for the city in which the driver lives; they consider the number of miles the driver travels to and from work; and they consider the safety record for the type of vehicle he or she drives. But, given the typical woman's propensity to play it safe on the road, why isn't just as much emphasis placed on the driver's sex? In most cases, it's because either the man of the house is the main policyholder, or a husband and wife are joint policyholders. Just as when parents add their teenagers to their policies, having a high-risk motorist on your policy jacks up your household's overall risk rating. And that raises your premium. Driving an affordable car (either by buying a cheap car or getting a cheap car loan) may also reduce premiums. Cheap Car Insurance for Women not only rewards women for their good driving habits, but we also take it one step further by catering exlusively to the safer sex.