Women are usually considered as getting the worst deals in most walks of life. But, the case with auto insurance is completely different. As a number of insurance companies claim, women are lower auto insurance risks to them, which is the reason why they give them lower premiums.
Males are Harsh Drivers
First of all it is the general perception that males drive real bad. If you see someone attempting perilous maneuvers, it is definitely a man. Women are said to be graceful, which makes it even more unlikely for a woman to be harsh on the road. And even though some women are that way naturally, the society helps in keeping them down to a certain extent as it is not considered ladylike to be physically rough.
Women do not Drive Long Hours
It is also believed that women usually do not drive too long. This makes their average mileage lower than that of their male folks. A man is usually considered better at physical activities. And, they will more often than not be the ones to drive if it's a long drive.
Males Prefer Bigger Cars
Usually it is the men who prefer to have large and classic cars. These along with a number of other reasons make auto insurers favor women given similar profiles.
But the fact remains that not all insurance companies would be treating you equally. Some would give much consideration to your gender, while others would not. This will translate to a lower quote all other things being equal.
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