Battle of the Sexes

Dan is 24 and he just got a new car. It’s a 2010 Toyota Corolla. He’s purchasing his auto insurance today.
The insurance agent: “Okay, your quote came back at a $2,000 premium for a six month policy.”
Dan: “What?!” *Dan takes a second to ponder, how can he make his insurance cheaper?* “Oh, did I say I’m a male?! I totally meant to say female.”
IA: “But your name is Dan.”
Dan: “Miss, you must have misunderstood me. I said Jan.”
IA: “My, Jan, what a deep voice you have.”
Dan: “. . .”
IA: “Well, in that case, your premium will be reduced to $1,600. Can you send me a copy of your driver’s license so I may verify your gender?”
Dan: *Hangs up*

What a bummer. Your gender is mostly out of your control. You didn’t choose to come into this life as a man, yet, you have to pay approximately 20% (or more) for your insurance policy for that fact alone. Have you ever wondered why exactly you must pay more?
Men paying a higher rate is not based on discrimination, it’s based on facts. Based on the statistics that studies produced, here are the reasons why men pay more for car insurance.
1. Insurance Institute for Highway Safety provides statistics stating that in 2012, over 70% of car-accident related deaths were males.
2. Based on DrunkDrivingStats.org, in 2011, men were responsible for 80% of DUIs.
3. In 2012, 18% more males than females were speeding at the time of a fatal car-accident.
4. Also proven by statistics, more females than males were wearing seatbelts at the time of an accident.
5. Typically, men drive more miles than women.
6. Men are more likely to buy cars that are more costly to insure than women.
7. If you are under 25, you still have something to look forward to. With a clean record, your rates will drop when you turn 25.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about
our blog writer?

Read more about KayLynn's background.

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Setting a Life Insurance Goal

You May Have Goals For Savings and Investments. What About Life Insurance?

Should You Have Life Insurance? HINT: Ask Your Spouse

Odds Are Your Spouse Would Want You to Have More Life Insurance Coverage

Is Life Insurance a Part of Your Financial Plan?

Why Life Insurance Should be a Part of Your Family’s Future

The Power of Color

How Color Affects Your Attitude and Emotions

Addressing Some of the Most Uncomfortable Topics in Life Insurances

The Answers to Some Tough Life Insurance Questions

Improving Your Life by Improving Your Sleep: All About Mattresses

The Foundation to a Better Night’s Rest

Why It’s Important to Review Your Life Insurance

Once You Buy Life Insurance, It May Not Be a Good Idea to Ignore It

Can Healthcare Be Interesting?

Some Stats Can Help Us Understand Healthcare Just a Bit Better

Life’s Challenges and Rewards

The Hills and Valleys Are Just a Part of It

How Many People…

Odd and Interesting Facts About All of Us