Auto Insurance in West Virginia WV
Reader’s Question:
I notice my wife’s auto insurance premium rates are always lower than mine every year. Our cars are from the company we work for as performance incentive and was given to us the same exact year, and are exactly the same make and model. Do auto insurance in West Virginia give any consideration for women drivers?
William
Parkersburg, WV
It’s good that you asked, William.
Auto insurance companies are not exactly chauvinist but generally give lower premium rates to women drivers. And who said women are such bad drivers? Lower auto insurance premium rates than what men get might probably prove otherwise, right?
I know exactly what you’re thinking right now with regards to your wife’s auto insurance in West Virginia. Most probably you are adamant to know why women receive better auto insurance rates than men. Well, the most obvious reason is that women in general are less involved in car accidents as compared to men. If women are involved in car accidents, these are typically less expensive and less damaging than those which men are involved in. Good statistics also show evidence that women are less likely to commit traffic violations while driving than the male counterparts.
So are men such bad drivers for auto insurance policies to charge higher insurance premiums? Being a good or bad driver is not exactly the reason why premium rates can go lower. Driving skill is not the ultimate reason why women are less likely to get lower auto insurance premium rates. For example, women drivers purchase fewer high end sports car and luxury vehicles compared to a number of men drivers. If a car is expensive, it also follows that it becomes more expensive to insure. Most women drive less expensive cars than many men car owners…which means one thing: men are more interested with cars than women!
On this note, I still cannot tell if men are better drivers than women though!