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Main » 2009 » June » 18 » Car Insurance - Men Versus Women

Car Insurance - Men Versus Women
10:04 PM

So who are the better drivers, men or women? Who is most likely to get a speeding ticket or be involved in an accident? It seems that insurance companies can answer these questions.

While men may dominate the race track, according to the car insurance providers this is not necessarily the case on the road. Generally women receive cheaper car insurance than men because they are deemed less of a risk - men for example, are involved in 97 per cent of dangerous driving convictions.

However, it's not all about the superior driving performance from women that lands them cheaper car insurance deals. Another factor is that the more you drive, the more likely you are to have an accident and the average mileage covered by men in the UK is 12,000 miles a year compared to just 8,000 for women.

Geographical location and lifestyle also play their part. For example, many female drivers are limited to the school run, whereas men are more consistently involved in longer, motorway drives at fast speeds. This means that when accidents do occur they generally carry a higher risk.

Age and experience also come into play. The older and more experienced you are as a driver, the less likely you are to have an accident. Currently there are around 80 per cent of licensed young males on the UK's roads compared to just 55 per cent of females.

So it's clear that while women invariably enjoy cheaper car insurance premiums it is not all down to superior driving - there are other statistics that work against men.

Women should also be wary of assuming that specialist car insurance companies that specifically target females offer the best deals. Though they offer unique cover options such as handbag cover, child seat cover and more they are rarely the cheapest.

Whether male or female the only way to be sure of finding a cheap car insurancedeal is to compare car insuranceonline with a comparison website.

Category: Car Insurance | Views: 8922 | Added by: anais | Rating: 0.0/0 |
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