It may come as a shock to male drivers, especially those who assert vehemently that women are clumsy and therefore dangerous drivers that most accidents are caused by men. In a survey conducted by the reputable charity Brake, only 46% of the people thought that men were poorer drivers, and 42% believed that men and women are in fact equally prone to get into accidents. Home Office statistics show that 97% of all accidents were the fault of male drivers. These results were further corroborated by Social Issues Research Center (SIRC). The study showed that in the event of a minor mistake like stalling at junctions, men and women have equal percentage. However overall women are less of thrill seekers than men, especially below the age of 25 and those young people who have just learned to drive, therefore are less likely to get into a major accident.
Auto Insurance companies oddly enough were the first people to realize this trend and then favor women. Since insurance is all about risk assessment, it is only fair that lesser risk is recognized and given benefits. It is for this reason that they offer specialist insurance for women and allow them to pay lower premiums and more perks. This proves further that women really are less risky, or why else would insurance favor them.
Flashier the car, the more likely it is to catch the eye of a thief. Same goes for a modified or one with an upgraded engine. These additional features make the car high risk and therefore expensive to insure. Studies from SIRC show that men are more likely to get such cars so specialist insurance for women gives them the benefit for non flashy car insurance.
With many thanks to internet we must admit that it has made our life easier by very much. All you need to do to find good insurance is log on to the internet and search away. There must be some companies that you’ve heard of, some that have been referred by friends, so try these first and you’ll get a good insurance policy without the hassle of using Yellow Pages, or multiple trips all over the city. With the advent of online custom insurance, i.e. insurance depending on your particular case, all you have to do is be an attentive searcher.
The online insurance comparison sites collate the data from all over the web and present to you in a clear and distinct format. Moreover they will the review a company’s reputability before displaying their name on their website, so you can be assured of a good service. If you make your decision, these sites have links that will take to the actual application pages and you can buy you insurance there and then.
While accidents are inevitable, it will help to have a good insurance backing you. Either sex can get that just by showing a little more responsibility of their car, even an insured one. For example, park it in a safer place, don’t take unnecessary risks, and installing anti-theft devices will show your insurer that you care about and value your car, are less of a risk, so they will care about you with a lower premium.
- theinsuranceqoutes.com -