A Woman’s Guide to Getting a Quote for Your Car Insurance

August 7, 2018 at 9:10 AM Leave a comment

If you’re a woman who’s getting car insurance for the first time, it’s understandable if you think that this industry is somehow prejudiced against women. But a quick look at North Carolina car insurance quotes and quotes from other states seem to indicate the exact opposite. In North Carolina, car insurance companies are banned from considering gender as a factor when determining car insurance costs.

Factors Considered

Of course, gender isn’t the only factor that’s considered by car insurance companies. They take into account the particular car (year, make, model) you are driving. They check your driving record to see if you have a history of committing driving offenses.

They also check your credit history as it’s been shown that if you’re responsibly paying your credit card charges, you’re also a responsible driver. Your age is considered as well, since it’s well-known that young drivers need to accumulate experience, and the youth are more prone to irresponsible or even reckless behavior.

Why Women are Better Drivers

So what if there are more male driving champions than female champions? On the average roads, women as a group are safer drivers. Here are some reasons why:

  1. Women tend to go for family cars and safe rides. More men are prone to admire sports cars with powerful engines and great speed, which makes them more dangerous on the road. Women are less likely to buy a car that’s more expensive to insure.
  2. Men generally get involved in more accidents than women, while women are less likely to get into a car accident.
  3. Men get more DUIs.
  4. Men drive more miles, as women tend to engage in “joy riding” activities.
  5. Men accounted for 71% of all car accident-related deaths in 2012.
  6. In 2012, 23% of male drivers who got into fatal accidents were also speeding at the time of the accident. But only 14% of women who were involved in fatal crashes were speeding at the time.
  7. A larger percentage of women use their seatbelts, with 88% for women and 84% for men.
  8. In 2012, it was found that 38% of the fatally injured male drivers had a blood alcohol content of at least 0.8%. The percentage was just 20% for women.
  9. Many insurance companies have already figured out that men are more likely to commit moving violations.
  10. Men are more likely to cause deaths in car accidents.

It is true that young adult men are considered a dangerous demographic of them all. Once men go past 25 years of age, insurance companies begin to see them as more settled and mature, so they’re safer on the road. Still, at any age men are considered statistically more likely to practice unsafe or aggressive driving habits, and that’s why many insurance companies tend to charge more for male drivers.

Insurance is all about statistics and playing the odds, and it’s plain mathematics.

Conclusion

In many places, the fact that you’re a woman is a good thing if you’re looking for car insurance. While some states such as North Carolina, Hawaii, and Massachusetts don’t allow gender as a factor for auto insurance quotes, perhaps the time may come that it will be. If you’re a woman, it’s only fair!

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Boris Dzhingarov graduated UNWE with major marketing. He writes for several sites online such as Semrush.com, Socialnomics.net, Chamberofcommerce.com. Boris is the founder of MonetaryLibrary and Cryptoext. You can connect with him at  Twitter, Linkedin.

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