Car insurance Progressive Wisconsin, or anywhere else for that matter, there is a running gag in pop culture. Women are often the butt of jokes when it comes to bad driving, but is that stereotype justified? It depends on who you ask.
For an authoritative opinion, ask those who base their profit margins on it — the insurance industry — and the research groups that they fund. According to the Insurance Institute for Highway Safety (IIHS), on average male drivers were 3 times more likely to be involved in an accident than female drivers.
Armed with this information, insurance companies practice discrimination. That’s right, they discriminate — your policy will depend on concrete things like your driving history — but also, your age, driving experience and gender.
Based on this and other data, car insurance Progressive Wisconsin and other companies all over the U.S. will determine whether or not you are likely to be involved in an accident during the course of your life.
What’s more, the IIHS found that more men die in auto accidents every year than women. Some common reasons for this include:
– Not wearing seat belts
– Drunk driving
A study of car accidents showed that male drivers are more likely to be involved in severe accidents than females. According to the IIHS:
– 71% of all car related deaths are men
– 70% of pedestrian deaths are caused by men behind the wheel
– 87% of drivers who kill bicyclists are men
– 91% of motorcycle deaths are men
So despite the timeless joke that women are bad drivers, the insurance industry applies gender-focused data to their risk management analysis. And as stated above, men are clearly worse drivers than women.
What does that mean for car insurance Progressive Wisconsin and their policies for women drivers? It means they are likely to pay a lot lower monthly premiums than their male counterparts.
But that doesn’t tell the whole story, because your gender obviously isn’t the only factor in determining your rates. Just because you’re woman doesn’t mean you’re going to get lower rates. If you have a less-than-stellar driving record, a bad credit score or a flashy car, you’re likely going to end up spending more in car insurance than your male friends.
But if you are a woman and also a new driver, chances are you’ll get a lower rate than a new male driver precisely because there is less driving data to based their assessment on.
In any case, be you man or woman, look for car insurance Progressive Wisconsin and try negotiate with the firm to get the best rate possible.