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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)

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.