As much as you think otherwise, there is no hard, verifiable proof that men are any more or less of a driver than a women. However, the actuaries at the car insurance companies charge differently. For so many men out there, it is hard to admit that his wife or his girlfriend is just as qualified or just as safe as they are. It is painful to realize but that is the truth. There is no proof that a woman is more of a risk. The only way we can even begin to settle this debate is to look at the statistics. What the numbers show is that men are more likely to cause accidents, have a traffic ticket, more likely to speed, and much more likely to be involved in a fatal accident. That's the numbers people. Believe them. Here is a quote from the website Insurance.com's Vice President, Sam Belden, "All the evidence points to young males having riskier driving habits than young females. Men between the ages of 16 and 25 are much more likely to be involved in accidents, or be cited for traffic violations."
There was a risk analysis study funded by The American Auto Club, at Carnegie Mellon University in 2007, in part said, "men have a 77% higher risk of dying in an accident compared to women. The study, using information from both the Fatality Analysis Reporting System (FARS) and the National Household Travel Survey estimated fatalities per 100 million trips to be 14.61 for men and 6.53 for women. The total number of fatalities between 1999 and 2005 were 175,094 for men and 82,371 women. Pure logic prevails in this matter. Have you ever been in the car with a young man between the age of 20-25? I am amazed that you survived to read this article. Very few young men are careful drivers. They do not have the skills to manage the road effectively. They have bad tempers and make very bad decisions. The insurance companies agree that young males make bad decisions and display their aggression in an open and direct way.
Young people will always pay more for car insurance just because they have no record of safe driving. But there are ways to keep those costs down. For example, ask you agent if there are any Safe Driving courses you could enroll your young ones in. Possibly they might learn some skills to help control their driving and develop into a safe driver. That is what we all want.
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