There are plenty of car insurance businesses out there. Just about Any person is able to get insurance from a minimum of one of the businesses. However, for some reason, auto insurance for men is usually more costly than a policy for a woman with the exact same profile. There has to be a reason for this.
Obviously, historically men were regarded as a higher risk as they were the ones that drove to work each day and had to drive more and further than nearly all women. Women were frequently limited to working near to home or to working at home and looking after the kids. This meant they were generally speaking on the road much less and thus presented less of a risk to car insurance companies. Consequently car insurance for women had been cheaper than auto insurance for men. This is not the situation any more however yet car insurance companies still have a tendency to offer lower rates to women than to men.
Women these days often have just as much driving to do as the males do. They work the same jobs and also work the same hours and therefore are on the roads at the exact same high-risk times as the men. The present premiums are generally based more on psychological make-up than on the amount of driving each gender does on average. It is primarily the psychological difference that makes car insurance for women cheaper than auto insurance for men.
It has been established in psychological profiles that men tend to be more inclined to take more risks than ladies do. They will tend to go ahead and take smaller gap and therefore are more inclined to drive quicker as well as prefer the faster vehicles if they are given the choice. Ladies on the other hand tend to drive slower and are more reluctant to take a gap that does not seem to big quite big enough for their vehicle. Additionally they tend to drive larger much more practical vehicles and prefer room and comfort over performance as they are still the parent that's left transporting the kids. It doesn't mean that women tend to get into less accidents than males do but it does mean that the average accident a lady is going to be involved in is going to be less severe than an accident a guy will be involved with.
Of course, there are exceptions to each rule and there are plenty of women out there that drive as recklessly as the typical guy does and there are men who take a large amount of care when driving. This is why there is now a growing trend towards performance based car insurance premiums. Auto insurance businesses will install a tracking device inside your vehicle that gives them information about your driving habits and your premium is based on your individual driving habits. Which means that if you're inclined to speed and jump red lights you will pay more on your month-to-month premium than if you were to behave yourself. Nevertheless, for now, car insurance for women is still less expensive than auto insurance for men.
For more information about car insurance go to [http://www.payasyoudrive.co.za]
Obviously, historically men were regarded as a higher risk as they were the ones that drove to work each day and had to drive more and further than nearly all women. Women were frequently limited to working near to home or to working at home and looking after the kids. This meant they were generally speaking on the road much less and thus presented less of a risk to car insurance companies. Consequently car insurance for women had been cheaper than auto insurance for men. This is not the situation any more however yet car insurance companies still have a tendency to offer lower rates to women than to men.
Women these days often have just as much driving to do as the males do. They work the same jobs and also work the same hours and therefore are on the roads at the exact same high-risk times as the men. The present premiums are generally based more on psychological make-up than on the amount of driving each gender does on average. It is primarily the psychological difference that makes car insurance for women cheaper than auto insurance for men.
It has been established in psychological profiles that men tend to be more inclined to take more risks than ladies do. They will tend to go ahead and take smaller gap and therefore are more inclined to drive quicker as well as prefer the faster vehicles if they are given the choice. Ladies on the other hand tend to drive slower and are more reluctant to take a gap that does not seem to big quite big enough for their vehicle. Additionally they tend to drive larger much more practical vehicles and prefer room and comfort over performance as they are still the parent that's left transporting the kids. It doesn't mean that women tend to get into less accidents than males do but it does mean that the average accident a lady is going to be involved in is going to be less severe than an accident a guy will be involved with.
Of course, there are exceptions to each rule and there are plenty of women out there that drive as recklessly as the typical guy does and there are men who take a large amount of care when driving. This is why there is now a growing trend towards performance based car insurance premiums. Auto insurance businesses will install a tracking device inside your vehicle that gives them information about your driving habits and your premium is based on your individual driving habits. Which means that if you're inclined to speed and jump red lights you will pay more on your month-to-month premium than if you were to behave yourself. Nevertheless, for now, car insurance for women is still less expensive than auto insurance for men.
For more information about car insurance go to [http://www.payasyoudrive.co.za]