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If your state allows you to put female, I suggest you do so for better insurance rates.

If your state allows you to put female, I suggest you do so for better insurance rates.

(post is archived)

[–] 0 pt (edited )

No they typically suck. I’m about to marry a woman, however, who is like Danica Patrick behind the wheel..but she’s the exception, not the rule.

I think that the insurance companies go by numbers (actuaries) and the data says men get in more accidents.

I believe it, but I don’t think it’s because men are shittier drivers so much as it’s because men are more prone to risky behavior…whereas women are more risk averse.

It’s that whole “testosterone thing”.

And the more risks you take, the greater the chances of shit going sideways.

🤷‍♂️

I think that the insurance companies go by numbers (actuaries) and the data says men get in more accidents.

I'd have to see hard data before I believe women get into less accidents. I know the autobody industry a bit and the repeat customers are all women. Of course if you ask them it is never their fault. ;)

[–] 1 pt

Girls get in more accidents but they are way less severe. Guys are most expensive because their accidents are bad.

[–] 0 pt (edited )

Perhaps as another poster pointed out, they get in more wrecks but less damaging (and thus expensive) ones than men.

I do know that they’ve done study after study for decades that prove men engage in more risky behavior than women. That alone may be the answer to your question.