Auto Insurance Claim Scottsdale Arizona AZ

Reader’s Question:

I have never filed a claim on my auto insurance and I have just renewed my policy here in Scottsdale, Arizona. I am just curious to know, is it true that men file more car insurance claims and have higher insurance rates than women?

Terra

Scottsdale, AZ

According to statistics from the National Highway Traffic Safety Administration (NHTSA), male motorists file more auto insurance claims than female motorists. This is not just for men who are between 18 and 24 years old but it is for men of all ages. The reason behind this is that men are usually more assertive and likely to get on dangerous driving practices like not wearing seat belts, driving under the influence, etc. Male motorists also drive more miles than female motorists which intensifies their risk of being involved in a collision and the number of car insurance claims that they may probably file.

You have to keep in mind that insurance providers, including those in Scottsdale, Arizona, are very much aware of these data and assess their auto insurance premiums appropriately. Even if a male driver has a flawless driving history, exceptional credit score and resides in a low risk area, he is still apt in paying higher car insurance rates than women. However, over the previous couple of years, there has been a rise in women driving more frequently and for prolonged periods of time. This could be because women are dealing with full-time jobs, take their kids to school, etc. All of these things add to their time driving and bump up their stress level and could bring about aggressive manners on the road.

Tags: auto insurance claims, car insurance, car insurance rate