Who Files More Auto Insurance Claims?

Men claim that they are better drivers and women argue back that they are the superior driving gender. But who in fact is correct? Well...women do have cheaper insurance premiums than men do. Does that mean that they are better drivers? It would surely indicate that women are safer drivers if you consider that insurance companies calculate risk.

Insurance is a number crunching and statistics driven industry. This makes it tough to argue with insurance companies that state clearly that women also file fewer auto insurance claims. So now it is evident that it would be fair to say that women are safer drivers which results in fewer claims. But, does that mean that they are better drivers?

Insurance companies are able to predict to a certain degree the chances that a driver will file a future claim. This is all part of the number calculating process. Insurance companies claim that women are also more cautious when they drive than men are. Being a more cautious driver would likely also result in fewer accidents and therefore, less claims.

Another thing that insurance companies have discovered about women drivers is that they have a tendency to buy the right cars. This means that they, as a rule, will purchase a vehicle that is safer to drive and that has more safety options. This also reduces the cost of premiums. Insurance companies have also determined that it is women who drive fewer miles than men do. This is another reason for women being offered cheaper auto insurance rates. But, does all of this point to women being better drivers or just safer drivers? That is for you to decide!

Interestingly enough, the number system that insurance companies use has tipped the scales a bit in favor of the guys. This is because more women are demonstrating more aggressive driving behaviors recently. Unfortunately, the scales have not been tipped quite enough to change the fact that women pay less for insurance than men do.

There is no immediate indication that the insurance companies have any intention of evening up the playing field between men and women. Men are presumed to show more risk while women are still seen as more passive drivers. Until these changes are made, there will be no change in men paying more for auto insurance than women do.