While men and women have many things in common, here's one thing that they differ on: how much men pay for car insurance. As you may have guessed, sometimes men are seen as more of a liability to an insurance company, but why? Read on to find out what the main issues are and why men pay more for car insurance. You can test this out by visiting an insurance quoting website of your choice and getting a quote with both genders, while keeping other variables the same. Try for yourself here.
Why Men Pay More
So, some of the things that make insurance companies charge men more have to do with statistics about men's driving habits. As you may know, as mentioned before, men have a reputation for being a bit more dangerous than women behind the wheel, and unfortunately for them, it's backed up by stats. Men are more prone to getting speeding tickets and to getting in wrecks. They are also more likely to get a DUI or drive while intoxicated, and as you might have guessed, they are much less likely to buckle up behind the wheel, thus leading to the reputation for being more of a risk.
Some people think it's discrimination for men to pay more, and it's even gone to court. There was a ruling that said that it was discrimination, but that hasn't changed what men have to pay in car insurance. Another factor is that men tend to drive more commercial cars and trucks than women do, and this is also a risk. Even with the court ruling that it goes against basic rights to charge men more, insurance companies continue to look at the statistics of how men drive and what the results are. This may seem to be discriminatory, but it is actually legal, and it is how they make their decisions.
Another factor that comes into play in the pay gap for car insurance is that many women get discounts on insurance because of their gender. If you get rid of this, perhaps men could get more discounts due to good driving histories. But it doesn't look like it is going away any time soon. Women continue to reap the benefits of a better reputation behind the wheel, and this is how things are poised to remain for the foreseeable future. What is to be done about it?
So, in conclusion, as you can see, men pay more for car insurance due both to reputation and also to statistics. While men have higher statistics of getting in trouble behind the wheel, some men are really good drivers and should not be penalized. Hopefully, more of these stellar drivers will seek out discounts and lower rates on car insurance in the future in order to avoid the reputation of their gender. Women do this all the time, so we think it's time for men to take their turn in asking for the discounts that many deserve.