Why Men Pay More for Auto Insurance

Automobile insurance companies take calculated risks when insuring policy holders. In general, men are considered to be more risky drivers for an array of reasons that traffic statistics support.

Risky Driving Habits By Men

Compared to women, male drivers are more likely to engage in careless and reckless behavior on the road. For example, guys are at a higher risk of driving without a seat belt. Similarly, men have a tendency to engage in aggressive verbal behavior that leads to road rage. Guys also tend to make dangerous passes, lane changes and tailgating maneuvers during heavy traffic conditions. Even blasting loud music through car subwoofers qualifies as an aggressive behavior.

Accident Statistics

Reliable sources of data indicate that male drivers cause more collisions compared to female motorists. Most accidents that men cause occur as a result of excessive speeding. More specifically, auto insurance companies deem guys under the age of 25 to be very risky drivers. After this age, the agencies assume that men become more responsible drivers and citizens in other parts of life besides the road. Guys are far more likely to get drunk in bars and then drive back home. The majority of DUI and DWI charges are given to young and middle age men.

Driving Track Record

Despite all of the statistics, guys can still prove themselves when it comes to safe driving. It’s easy to maintain a clean driving record by avoiding any traffic violations. For each licensed driver in a state, the department of motor vehicles keeps track of all the points that are compiled based on different moving violations within a certain time period. Auto insurance companies frequently check official DMV records to verify the driving habits of policy holders, especially men that are considered to be risky drivers.

For more information on auto insurance, contact one of Sam Schirmer Insurance’s knowledgeable agents, or call (800) 861-1477 today!

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