Should Women Get Cheaper Car Insurance?

Question: If this is fair then why can't White people get cheaper insurance than say Asian people? Or how about people with blonde hair getting cheaper insurance than people with dark hair? Isn't this just discrimination which surely can't be fair? I don't wanna hear about women having less accidents because those figures do not tell the whole story. I'm a good driver but I have to pay more because of my gender.... that is exactly what discrimination is! RE: danceswithwolves You may have the choice about where you live.... You can't choose your race or gender. The stats show women have less accidents but we are supossed to live in an equal society. If it was the other way round then there would be lots of complaints.

Answer: I agree its discrimination. My brothers a much better driver than me yet has to pay much more for his insurance.

Women Only Car Insurance?

Question: Are the companies that offer women only car insurance actually cheaper than normal insurance companies or is it just a trick to get women to use them? Why should women get cheaper insurance anyway? Is it not discrimination to offer different insurance prices based on gender? Surely you couldn't offer cheaper insurance to white people? Re: Rio Madeira Women actually get into more accidents per mile driven. Re: Maid Angela More men drive and men drive a lot more miles on average than women. Therefore they are more likely to have crashes. When you factor in these things Men are involved in 5.1 crashes per million miles driven compared to 5.7 crashes for women.

Answer: That "per mile" bit reverses the results, because women don't drive the same number of miles that men drive -typically-. Bottom line, women cost car insurance companies less money, and are less likely to keep a car, so companies make more money by charging them less, rather than losing their business. Men -typically- are willing to pay more, to keep the car, so insurers make sure they do charge us more to keep the car. Women pay more than men for most other things, like the cost of the car, the mortgage, health insurance, life insurance, dry cleaning (even for pant suits), home repairs, hair cuts, you name it. So just forget the few dollars they save on car insurance, alright? I've written a bit more about this: http://uk.answers.yahoo.com/question/index;_ylt=Au46f28Ip94dwyLrKbG7ywshBgx.;_ylv=3?qid=20090314225957AAqxI30&show=7#profile-info-Kz35Ph2maa Edit: An other bit of math that is often forgotten (which falls in favor of women) is that we don't pay for insurance per mile. We pay in increments of time (usually months), so all that you mentioned, plus their tendancy to drive less, makes them a much lower liability. For examples sake, let's say average joe get's into a car accident every 10, 000 miles. Then let's say average jane also get's into a car accident every 10, 000 miles. Joe drives 5,000 miles a month, Jane drives 1,000 miles a month. This means joe can expect to have 6 car accidents this year. Jane is expected to have only 1. Wheather she drives with the same efficiency as joe, no one can really say. But she is more profitalbe, any way because she drives less. That's all the insurance company cares about.