ye so wot is ur point, my point was: 1) I dont care about gender issues as i dont have the mentality like the thread starter 2) However, since she brings it up the statistics, the pass rates, crash rates data and more importantly the acheivements of men in terms of jobs, invention, maintenance and championships MEN ARE BETTER DRIVERS,
you seem to be bogged down about this car insurance issue = better driving. Well news for you mate, teachers pay cheaper insurance then doctors who pay less the medical students who pay more then lawyers! are you saying teachers are better drivers then doctors because of insurace price or better then lawyers? HAHAH LOL do u see your lack of prior logic? Old women pay more for car insurance then old men! are old men better then women? Women pay more for health insurance so does that mean they are unhealtheir then men? Red and blue cars are more likely to be stolen? why? because red and blue are the worst cars no simply because red and blue are the most popular cars in the UK. red sports cars are most likely to be caight speeding? are red cars worse no! more high performance cars are red, and people who tend to drive red cars are often the "wow look at my red porsche types". Women get lower annuties does that mean old women are not worth it? NO of course not. to end this argument once and for all:
INSURANCE COST = TOTAL PREMIUMS BY YOUR GROUP/CLASS (divided by) NUMBER OF PEOPLE IN YOUR CLASS simple as that nothing to do with who is better IT DOESN'T EVEN HAVE TO DO WITH WHO CRASHES MORE - as (Churchill's analysis of male and female driving records also shows that over a lifetime women are likely to have more accidents, an average of 9.5, compared to 8.2 for men. But in terms of the cost to insurers, women's crashes tend to be at lower speeds and less expensive SO IN INSURANCE EYES THEY ARE BETTER RISK
so lets look at this formula for insurance:
men have entirely different patterns of driving, they are much less likey to travel with children so dont drive as slow, they have more powerful, expensive and higher spec cars, they have 74% more milage and there is nearly 3 million more male drivers. 82% of men compared to only 61% of female drive. Women have much shorter journeys and less milage and are more likely to take children. Men drive much more frequently after 10pm then women and this is THE DRIIVING KILL FIELD TIME when most of these deaths, accidents happen COMPARING FIGURES IS LIKE APPLES AND GRAPES!!
The main factors in what determines male insurance prices:
1) Men get paid more - 2006 men got paid 17% more then women (£6000/year more which in senior positions rose t £42000) and please dont bring up the sexism issue here (do that in anoother thread), men get paid more because they work more and work in harder and more dangerous jobs and for crap loads more not simply because they were men (if women got paid less simply for being men then dont you think all the companies would fire men to save money?)
2) Because of this men own more cars then women and also more liscences (possiblly due to work habits too?) only 61% of females compared to 82% of males have a liscene and men have a whopping 74% more milage then women. (this is rapidly chaning as more women are driving which will lead to mroe crashes). As a result many women are simply second drivers on mens cars so their crashes are given to mens policies.
3) Simply because men have more cars and more milage they are more likely to have their cars stolen, vandilised or be the victim of hit and runs, and insurance scams simply because there are more male cars.
4) As a result of this more policies are in mens names so regardless of who crashes the policy owner (the male is more likely to pay). However this is RAPIDLY changing in the past decade alone there has been a one third increase in the number of female policies. And this will come to bite women on the *** badly, as more women get their own policies more women will have to claim. And more men will be second drivers on womens cars so will result in more claims by women. This is the opposite case currently with men - many women wives, daughters are second drivers on mens polocies but now the opposite will start to happen.
5) there are significantly fewer young female drivers then men and women on average pass later on (and look at above posts to see poor female pass rates!) young drivers = more crashes, ONCE AGAIN This is rapidly changing.
6) Men drive larger engine sizes and better specs of cars. There is the issue of men getting paid more but in general this is also down to gender differences, women spend more on hair products then men (nothing to do with income) so it could be down to the fact men just want better and faster cars.
7) As a result of this men claims cost much more then womens, as their cars are more expensice, harder to source and find repairs for.
8) On the extreme end of this men are MUCH more likely to drive high performance cars, modified cars and super/hyper cars. Typical super car companies are over 90% male. How many females do you know you OWN a ferrari, lambo, porsche. The only sports cars women have are lower grade "faux" sports cars like the audi tt or low level porsches.
Obviously you can see the nightmare for insurers, when a $.1.5 million Ferrari Enzo or $1 Mclaren F1 crashes can't you? Many of the speeding offences and deaths on roads are from high performance, modiefied or supercars which obviously men own infintely more times then women (espeically in the very high end bugattis, aeros, ultimate range ferraris or lambos simply because men like these cars just like women like makeup and also cos men earn more.
Finally as i said men have completly different driving habits such as not taking kids, more milage, longer journies, more expensive cars bigger cars etc. as I have shown with driving stats and the pass rates (see previous posts) Men have better driving skills and on the extreme scale this results in men and men only winning fomula 1,2,3, gp2, lemans, rallying, stunt driving etc. YOU WONT SEE MANY WOMEN TRYING TO QUICKLY DO THAT THREE POINT turn on the main road or drive 150 miles down a country lane - simply becase THEY ARE NOT CONFIDENT ENOUGH IN THE OWN SKILLS TO DO SO!! and yes partly because they are more likely to have children passengers, eldrely.