First For Women Car Insurance

women want equal rights. then why have cheaper rates for women car insurance?

Question: women moan about equal rights. but they won't say anything about women only car insurance because they will be getting a good deal. if they want equal rights then get rid of this women only thing, and why should we open doors for them and let them go first ,

Answer: Becasue they have less accidents as they are not so prone to aggressive driving and risk taking. It's perfectly OK for an insurance company to base it's pricing on risk, that's how it works. I think the error lies in believing women want equal rights. They only want equal rights (quite justifiably and correctly) in those area of life where they are currently disadvantaged. However, I've yet to see many OFFERING equal rights in those areas where they are currently advantaged - e.g parenting rights, healthcare access, housing access and support.

Is it fair that two people with identical driving records pay different insurance?

Question: Should men be discriminated against? (Car insurance) How about blacks because BEING black is more likely though not necessarily going to have you live in a high crime neighborhood? (home owners insurance) And here's the most extreme I've seen to date: http://www.insurance.za.org/first-for-women-insurance-quote.htm It doesn't matter whether I am get the big end or the little end of the stick, it doesn't seem right to me. I can understand changing insurance rates on the basis of past driving record, but for probable future record? (Yes, I know that homeowners insurance is on the home, not the individual) (Yes, I know that per month, women statistically will claim less insurance payment then men) I know WHY insurance companies do it. I do not know why we LET them do it. I know full well that on average women will file less dollar claims per unit time than men, but this country does not, in general, permit discrimination on the basis of stereotypes ... no matter how valid those stereotypes may be. Do we allow companies to discriminate between men and women when they hire based on whatever statistics the company management may have about who makes better employees (comes to work more often, etc)? No ... we make them operate on the basis of PERFORMANCE. Why do we let insurance companies stereotype us. Doesn't that encourage others to stereotype? Again, I understand why insurance companies do it (they're in business to make a profit). Never-the-less, why do we, as Americans, put up with it?

Answer: NO, nothing the insurance companies do is fair.