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are car insurance companies sexist??

by hirby

No, they’re realistic. Young men are one of the most likely groups to have accidents. edit: looked it up…young men are more likely to get into accidents than young women…but women as a whole are more likely than men as a whole. But when men get into accidents they tend to be worse.

Typical female driver accident: talking on cell phone while fiddling with a cup of coffee and not having a clue about the dimensions of her car, crushes the bumper of a minivan in a parking lot.

Typical young male driver accident: Blasting down the freeway at 95 mph, hits a skunk, slips on the guts, spins out, and rolls, leaving bits of the car and its occupants over a quarter mile of road.

That’s why they charge more. The accidents are not only more numerous, but they do more damage.

Nope. You only have to read a basic book on statistics to understand their reasoning. Bottom line: young male drivers, statistically speaking, are a MUCH greater risk of causing a horrific accident involving injuries, deaths and multiple collisions/losses that young female drivers. It’s as simple as that. It doesn’t matter how good YOU drive you can’t escape this fact about risk. After all, insurance is based upon spreading the risk among a large number of policy holders in order to reduce premium rates. It’ll all get better when you hit 25 and can maintain a clean driving record.

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