This is a question that has been asked a whole lot over the years. There isn’t any real proof that men are better drivers, but a lot of men will swear by it. Most men do believe that most accidents are caused by women and that they drive better than their mothers, aunts, sisters and spouses. But who is more likely to get a traffic ticket or in a fatal auto accident?
Truth has it that young males are considered to be riskier drivers because they have bad habits that young women don’t. So the men that are between 16 and 25 are said to be more likely to get into a vehicle collision. When insurance companies are giving out quotes, they look at the age and gender factor before giving out an estimate for a car coverage premium. Statistics show that during the first half of 2008, 68% of women didn’t have any traffic violations and 64% of men did have traffic violations. About 30% of the women drivers had between 1 and 3 driver violations vs. the men’s 33%. Only 2% of the women had more than 4 driving violations.
Looking into the statistics even more, the Insurance Institute for Highway Safety, or IIHS, recorded that 14,512 men died from auto accidents in 2007; compare this to the 5,865 women who died while driving. It’s true that there are more men on the road, but the stats show that the fatal accidents rates are extensively higher. Then according to TrafficSTATS, men were recorded to have a 77% higher chance of being killed in an auto accident than women. Studies conducted by the Fatality Analysis Reporting System, also known as FARS, and the National Household Travel Survey had an estimated 14.61 men who were more likely to be involved in a fatal accident per 100 million trips; compare to 6.53 women. Between ‘99 and ‘05, 82.371 women died from auto accidents and 175,094 men died from car collisions.
Importance of Age
The reason car insurance companies are weary of age is because it plays a significant role in the premium they give to you. Your quote for coverage will definitely be affected, the younger you are, the higher your auto protection will be. According to records, men that are between 20 and 24 are more likely to die in a car accident and women who are between 16 and 19 are more known for getting into deadly accidents, than women who are between 20 and 24. Stats show and insurance companies know that men, mostly younger men, are more aggressive drivers than women. Young men are also known to display their aggression more directly. It’s even known that men break laws and take more risks as drivers. With more women being licensed than in the past, statistics show that between ‘75 and ‘07, women car accident deaths risen by 1 percent and men deaths due to vehicle collisions decreased by 11% during the same period.
Paying More for Coverage
Yes, we know that younger folks pay more to obtain auto insurance, but it’s not always because of their bad driving habits. Other considerations are made to determine, and in doesn’t really depict the younger driver in a bad light. With that being said it is important for drivers 25 and under to extensively shop around for auto coverage before purchasing a premium. One company may charge higher rates for younger men and women than other companies who are bit more forgiving, trusting and understanding. Though young male drivers are still considered riskier to insure, you can still find a quote that’s a bit more affordable.
Taking Driving Courses
Safety always come first. When you take safety driving courses, it shows the insurance provider that you have taken measures to make yourself a better driver. So whether you’re 17 or 57, taking a driving course could help to improve your auto protection rates. There are online driving courses that can be taken, so school and work can’t get in the way. In 2008, 55% of men took online driving courses; compare to 45% of women. These were men and women of all ages, most of which were trying to reduce their policy payments. Over the years, the amount of men taking these driving courses have steadily increased. This could either be because men are realizing they need the help or are more concerned about becoming safer drivers. Then of course, there’s the lower policy rates.
You know how expensive it is to get tickets, so do whatever you can to stay safe. You can use that extra money to buy clothes from Hudson’s Bay using Groupon coupons!