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Insurance Rates
(Men drive more, too)
Rating systems and rate factors vary from insurance company to insurance company. Auto insurance premiums are determined by using many factors, gender generally being one of them. With all factors being equal, a female between the ages of 18 and 25 will generally pay less then her male counterpart. This is because generally speaking younger women have fewer accidents and moving violations than males in the same age group. Statistics show that males typically are more aggressive drivers and thus with some insurance companies their risk factor is higher so a male driver's car insurance rates are higher than that of a female. Some of the other reasons that this is the case is because males on average drive more then females. And if you drive more then your odds of being in an accident increase. Also, young men are more often risk takers behind the wheel. This often results in moving violation tickets. Both of those factors result in higher premiums. Male under the age of 25 typically have the highest premiums. Females normally cost a bit less to insure because of statistics showing they are not as aggressive behind the wheel. So gender does affect your rates, because statistically females drivers have less incidents than males their rates are in general lower. Of course if a female has a bad driving record and her male counterpart has a good, clean record then the female's rates would normally be higher due to her record. http://www.carinsurance.com/kb/content31134.aspx -- mad |
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Mack A. Damia wrote:
> (Men drive more, too) > > Rating systems and rate factors vary from insurance company to > insurance company. Auto insurance premiums are determined by using > many factors, gender generally being one of them. > > With all factors being equal, a female between the ages of 18 and 25 > will generally pay less then her male counterpart. This is because > generally speaking younger women have fewer accidents and moving > violations than males in the same age group. Statistics show that > males typically are more aggressive drivers and thus with some > insurance companies their risk factor is higher so a male driver's car > insurance rates are higher than that of a female. > > Some of the other reasons that this is the case is because males on > average drive more then females. And if you drive more then your odds > of being in an accident increase. Also, young men are more often risk > takers behind the wheel. This often results in moving violation > tickets. Both of those factors result in higher premiums. > > Male under the age of 25 typically have the highest premiums. Females > normally cost a bit less to insure because of statistics showing they > are not as aggressive behind the wheel. > > So gender does affect your rates, because statistically females > drivers have less incidents than males their rates are in general > lower. Of course if a female has a bad driving record and her male > counterpart has a good, clean record then the female's rates would > normally be higher due to her record. FWIW I used to work for our provinces Ministry of Transportation and have seen the statistics for accident rates per distance driven for male and female drivers. It is an eye opener. In the 16-19 age group, males have roughly 25% more crashes per distance driven than females. In the 20-24 group, they are equal and the females in the 25-29 age group have a slightly lower crash rate. From that age on, the male rates are lower than females. The males show a downward trend while the female rate starts to increase gradually. After age 70, the males rates start to increase. Meanwhile, the female rate start are as bad at age 70 as the men are at 80, and the 80 year old women are considerably worse than new drivers. While the accident rates for young males are slightly higher than females, males tend to drive more. At least, at the time those stats they did. Things seem a lot different these days. There seems to be more young women at the wheel, and many of them have the same bad driving habits that young men used to have. I used to see all sorts of accidents involving young men, but these days the drivers involved seem to be young women and old people. Back in the 1990s, Ontario was considering graduated licencing for new drivers and there was a lot of lobbying done by the Insurance Bureau of Canada (ISBC). They were running all sorts of ads about how graduated licencing in other countries had reduced accident rates in young drivers. The government bought their argument and brought in graduated licencing. When it was enacted, the premier made an announcement hoping that the insurance companies would reduce their rates for young drivers. The ISBC didn't go for that. They said that there was no evidence of graduated licencing reducing accident rates. The *******s. |
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On Mon, 25 May 2009 14:27:58 -0400, Dave Smith
> wrote: >Mack A. Damia wrote: >> (Men drive more, too) > > >While the accident rates for young males are slightly higher than >females, males tend to drive more. At least, at the time those stats >they did. Things seem a lot different these days. There seems to be >more young women at the wheel, and many of them have the same bad >driving habits that young men used to have. I used to see all sorts of >accidents involving young men, but these days the drivers involved seem >to be young women and old people. Yes, I've noticed the change, too, now that you mention it. I'm an old man, according to some in here, and I certainly don't enjoy driving on SOCAL highways. Way too stressful. -- mad |
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Mack A. Damia wrote:
>> While the accident rates for young males are slightly higher than >> females, males tend to drive more. At least, at the time those stats >> they did. Things seem a lot different these days. There seems to be >> more young women at the wheel, and many of them have the same bad >> driving habits that young men used to have. I used to see all sorts of >> accidents involving young men, but these days the drivers involved seem >> to be young women and old people. > > Yes, I've noticed the change, too, now that you mention it. > > I'm an old man, according to some in here, and I certainly don't enjoy > driving on SOCAL highways. Way too stressful. If you think that it is scary driving a car among people like that you should try bicycling or motorcycling. It is hard enough for some people to pay attention enough to see cyclists, but now there is the added distraction of the cell phone. Thank goodness it is going to be illegal to use one while driving here within a few months. |
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On Mon, 25 May 2009 10:30:03 -0700, Mack A. Damia wrote:
> (Men drive more, too) I knew you'd become useless pretty quickly. Now you're nothing but another one of those OT posting moron spammers. ObFood: Thai fish cakes (flounder, red curry paste, lemongrass, shrimp paste, ginger, kaffir lime leaf, green onion, rice flour, white pepper, fish sauce). Musgovian corn on the cob and musgovian couscous made with lobster base. And any other musgovian foods I can find in the fridge. -sw |
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"Mack A. Damia" > wrote in message > > I'm an old man, according to some in here, and I certainly don't enjoy > driving on SOCAL highways. Way too stressful. > -- > mad Depends on your attitude. While I don't want to drive in heavy traffic in big cities if I can avoid it, I don't find it stressful at all. I look at it as a vigorous challenge. I've not tackled Mumbai yet so I'm not sure how well that would be with the animals in the streets. Maybe if I worried about time (which you have no control over) it would be stressful but if I'm late, I'm late. Ice storms or heavy snow can be stressful. |
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On Mon, 25 May 2009 16:25:14 -0500, Sqwertz
> wrote: >On Mon, 25 May 2009 10:30:03 -0700, Mack A. Damia wrote: > >> (Men drive more, too) > >I knew you'd become useless pretty quickly. Now you're nothing but >another one of those OT posting moron spammers. Kindly bugger off. -- mad |
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On Mon, 25 May 2009 15:30:56 -0700, Mack A. Damia wrote:
> On Mon, 25 May 2009 16:25:14 -0500, Sqwertz > > wrote: > >>On Mon, 25 May 2009 10:30:03 -0700, Mack A. Damia wrote: >> >>> (Men drive more, too) >> >>I knew you'd become useless pretty quickly. Now you're nothing but >>another one of those OT posting moron spammers. > > Kindly bugger off. Blow me, asshole. -sw |
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On Mon, 25 May 2009 18:00:29 -0500, Sqwertz
> wrote: >On Mon, 25 May 2009 15:30:56 -0700, Mack A. Damia wrote: > >> On Mon, 25 May 2009 16:25:14 -0500, Sqwertz >> > wrote: >> >>>On Mon, 25 May 2009 10:30:03 -0700, Mack A. Damia wrote: >>> >>>> (Men drive more, too) >>> >>>I knew you'd become useless pretty quickly. Now you're nothing but >>>another one of those OT posting moron spammers. >> >> Kindly bugger off. > >Blow me, asshole. > >-sw Okay. <*FARTS*> Consider yourself blown by this asshole. -- mad |
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Dave Smith wrote:
> Mack A. Damia wrote: > >>> While the accident rates for young males are slightly higher than >>> females, males tend to drive more. At least, at the time those stats >>> they did. Things seem a lot different these days. There seems to be >>> more young women at the wheel, and many of them have the same bad >>> driving habits that young men used to have. I used to see all sorts >>> of accidents involving young men, but these days the drivers involved >>> seem to be young women and old people. >> >> Yes, I've noticed the change, too, now that you mention it. >> >> I'm an old man, according to some in here, and I certainly don't enjoy >> driving on SOCAL highways. Way too stressful. > > If you think that it is scary driving a car among people like that you > should try bicycling or motorcycling. It is hard enough for some people > to pay attention enough to see cyclists, but now there is the added > distraction of the cell phone. Thank goodness it is going to be illegal > to use one while driving here within a few months. I drive a lot and also cycle and I think its attitude more than cellphone use. I think the worst and most dangerous drivers by far are the self centered I am in my 4 ton cocoon fluffed up truck drivers. |
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George said...
> Dave Smith wrote: >> Mack A. Damia wrote: >> >>>> While the accident rates for young males are slightly higher than >>>> females, males tend to drive more. At least, at the time those stats >>>> they did. Things seem a lot different these days. There seems to be >>>> more young women at the wheel, and many of them have the same bad >>>> driving habits that young men used to have. I used to see all sorts >>>> of accidents involving young men, but these days the drivers involved >>>> seem to be young women and old people. >>> >>> Yes, I've noticed the change, too, now that you mention it. >>> >>> I'm an old man, according to some in here, and I certainly don't enjoy >>> driving on SOCAL highways. Way too stressful. >> >> If you think that it is scary driving a car among people like that you >> should try bicycling or motorcycling. It is hard enough for some people >> to pay attention enough to see cyclists, but now there is the added >> distraction of the cell phone. Thank goodness it is going to be illegal >> to use one while driving here within a few months. > > I drive a lot and also cycle and I think its attitude more than > cellphone use. I think the worst and most dangerous drivers by far are > the self centered I am in my 4 ton cocoon fluffed up truck drivers. George, Allow me to chip in... I'm constantly shocked at the people who jog or bicycle at me in my lane, thereby far reducing the time/distance to take evasive action. I always hammer the car horn at them! I've gotten some pretty severe objections but I'm never bothered about that. It is against the law to flow into traffic like that, I do belive. Best, Andy -- What should I make for breakfast? http://alturl.com/wo3y |
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On Mon, 25 May 2009 15:30:56 -0700, Mack A. Damia wrote:
> On Mon, 25 May 2009 16:25:14 -0500, Sqwertz > > wrote: > >>On Mon, 25 May 2009 10:30:03 -0700, Mack A. Damia wrote: >> >>> (Men drive more, too) >> >>I knew you'd become useless pretty quickly. Now you're nothing but >>another one of those OT posting moron spammers. > > Kindly bugger off. you could at least mark the crap OT. blake |
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On Tue, 26 May 2009 15:50:41 GMT, blake murphy
> wrote: >On Mon, 25 May 2009 15:30:56 -0700, Mack A. Damia wrote: > >> On Mon, 25 May 2009 16:25:14 -0500, Sqwertz >> > wrote: >> >>>On Mon, 25 May 2009 10:30:03 -0700, Mack A. Damia wrote: >>> >>>> (Men drive more, too) >>> >>>I knew you'd become useless pretty quickly. Now you're nothing but >>>another one of those OT posting moron spammers. >> >> Kindly bugger off. > >you could at least mark the crap OT. Some people eat breakfast while they're driving, so it's ON topic. -- mad |
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On Tue, 26 May 2009 12:35:24 -0700, Dan Abel > wrote:
>In article >, > blake murphy > wrote: > > >> >>On Mon, 25 May 2009 10:30:03 -0700, Mack A. Damia wrote: >> >> >> >>> (Men drive more, too) > >> you could at least mark the crap OT. > >Surely you could figure out it was OT by the subject alone? He can't. Recall where his head is. -- mad |
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On Tue, 26 May 2009 08:54:52 -0700, Mack A. Damia wrote:
> On Tue, 26 May 2009 15:50:41 GMT, blake murphy > > wrote: > >>On Mon, 25 May 2009 15:30:56 -0700, Mack A. Damia wrote: >> >>> On Mon, 25 May 2009 16:25:14 -0500, Sqwertz >>> > wrote: >>> >>>>On Mon, 25 May 2009 10:30:03 -0700, Mack A. Damia wrote: >>>> >>>>> (Men drive more, too) >>>> >>>>I knew you'd become useless pretty quickly. Now you're nothing but >>>>another one of those OT posting moron spammers. >>> >>> Kindly bugger off. >> >>you could at least mark the crap OT. > > Some people eat breakfast while they're driving, so it's ON topic. whatever you say, doctor. blake |
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On Tue, 26 May 2009 12:35:24 -0700, Dan Abel wrote:
> In article >, > blake murphy > wrote: > >>>>On Mon, 25 May 2009 10:30:03 -0700, Mack A. Damia wrote: >>>> >>>>> (Men drive more, too) > >> you could at least mark the crap OT. > > Surely you could figure out it was OT by the subject alone? some people filter topics on the characters 'OT.' it's only polite to label such. your pal, blake |
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On Tue, 26 May 2009 13:03:34 -0700, Mack A. Damia wrote:
> On Tue, 26 May 2009 12:35:24 -0700, Dan Abel > wrote: > >>In article >, >> blake murphy > wrote: >> >> >>> >>On Mon, 25 May 2009 10:30:03 -0700, Mack A. Damia wrote: >>> >> >>> >>> (Men drive more, too) >> >>> you could at least mark the crap OT. >> >>Surely you could figure out it was OT by the subject alone? > > He can't. > > Recall where his head is. what could i have been thinking? me, a lowly peasant, criticising a super-genius like yourself. carry on! blake |
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On Wed, 27 May 2009 16:51:10 GMT, blake murphy
> wrote: >On Tue, 26 May 2009 13:03:34 -0700, Mack A. Damia wrote: > >> On Tue, 26 May 2009 12:35:24 -0700, Dan Abel > wrote: >> >>>In article >, >>> blake murphy > wrote: >>> >>> >>>> >>On Mon, 25 May 2009 10:30:03 -0700, Mack A. Damia wrote: >>>> >> >>>> >>> (Men drive more, too) >>> >>>> you could at least mark the crap OT. >>> >>>Surely you could figure out it was OT by the subject alone? >> >> He can't. >> >> Recall where his head is. > >what could i have been thinking? me, a lowly peasant, criticising a >super-genius like yourself. carry on! Recently, I've been hearing some news readers pronounce, "analyze", with a long 'a'. I made a comment about it in Another Place. Somebody said it's 'tunnel vision', but now I realize it refers to narrow-mindedness that you so eloquently express. Anal eyes. -- mad |
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On Wed, 27 May 2009 16:49:59 GMT, blake murphy
> wrote: >On Tue, 26 May 2009 12:35:24 -0700, Dan Abel wrote: > >> In article >, >> blake murphy > wrote: >> >>>>>On Mon, 25 May 2009 10:30:03 -0700, Mack A. Damia wrote: >>>>> >>>>>> (Men drive more, too) >> >>> you could at least mark the crap OT. >> >> Surely you could figure out it was OT by the subject alone? > >some people filter topics on the characters 'OT.' it's only polite to >label such. Polite? You ****ing putz. -- mad |
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