A persons age and gender along with certain other factors, is what the insurance industry uses to determine the premium for insurance. The practice of using this data sometimes has made it difficult for some people to obtain car insurance. A common misconception held that men were better drivers than women resulting in higher premium car insurance for women.

This misconception is largely a fabled part of the past especially since the insurance industry is well-informed and more competitive regarding the differences in women and men drivers, showing women are, in most cases, just as safe as their male counterparts.

The old adage that men are better drivers than women has made many to believe that car insurance for women is higher. In reality that is not the case, a recent study conducted by Carnegie-Mellon University shows otherwise when it comes to the battle of the sexes on the road. A result of the data was that a man has a 50% greater chance than a woman to be involved in a fatal accident.

A deeper look at the figures from another study revealed that while nearly 70% of women have never had a traffic violation, the figure for men was slightly less than 65%. Men also are more likely to have multiple citations than women, as a further question revealed that of those who do have citations, women had 10% less violations than men.

There are car insurance companies that have special programs catering specifically to car insurance for women. This increases the opportunity that women will pay a lower premium than men. By setting up special programs, these companies are becoming more viable in providing car insurance for women.

If you believe that car insurance for women is higher, you should consider the fact the insurance companies target young men as the riskiest of drivers. Finding out how you fare in comparison to other types of drivers is easy by getting a free online quote from any insurance provider. You will find that car insurance for women is in most cases less than the same class for men.

In spite of the fact many may believe men are better drivers than women, the insurers writing the policies do not subscribe to this theory. Although insurance providers use demographics and gender as a consideration, the mere fact that one is a man or woman is only one factor in determining the amount of that person’s premium.

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