Author: Otto Ingrid
Source: ezinearticles.com

In general, auto insurance companies see male drivers between the ages of 18 to 24 years old driving more aggressively than females or any other drivers in all of the other age groups. It also has been proven that men in that age group are on the road much more than any other drivers and they also drive more aggressively and do not always obey the speed limit and they typically ignore some of the most important safety laws. It seems that the entire male population has always believed that they are the best drivers on the road and truly invincible and they don’t think they could ever get into an accident. But, in actuality the opposite is true but only for the younger male, in the age group between 18 to 24 years old. The statistics show that this age group of males makes the most auto insurance claims, 1,828,000 more in just one year. According to statistics in a 2004 report this age group of male drivers is also involved in 27,000 more fatal accidents.

Insurance companies have always based their premium for this particular age group of males on the statistics making their premiums much higher than anyone else. It doesn’t even matter if they meet some of the requirements for lower premiums, the insurance company does not take any of them into consideration. Because statistics haven’t changed yet the insurance companies haven’t changed either. They still view the young male as a high risk driver and their premiums are calculated on that viewpoint.

But, times are starting to change and things are looking up for young men. Because of how our society is these days, females are driving more because more of them are working now, but still taking their children to and from school and outside activities. Females are now put in the position of also being the caretakers for their aging parents. This means taking their parents to their medical appointments, doing their shopping, etc. Also, females are still the ones that run all the errands for their own family also including trips to the doctor for their children, shopping for food and clothes for everyone. So, all of these things put females under a lot more stress while also putting them on the road more driving back and forth, here and there, always in a hurry to get everything done and still make it home in time to prepare dinner for their family.

The statistics still show that males are still the higher risk when it comes to auto insurance but this might change soon as women are on the road more and more. Until then, males will continue to pay the higher premium.

Otto Ingrid is an enthusiast of automobiles alike. He is determined to provide everyone with loads of information about auto insurance. If you’d like to find out more about this topic, please visit Fort Wayne Auto Insurance or Chandler Auto Insurance and find out everything you want to know.