Is Car Insurance Unfair?

Article: Is Car Insurance Unfair?

For many the cost of car insurance is a bit of a controversial issue, many consider the cost of car insurance to be unfairly biased based upon age and gender, but is it?

Statistics show that younger drivers are more likely to crash with one in five new drivers crashing within the first 6 months of passing their test and under 25s being more likely to be in a car accident than any other age range. Because of this most insurance companies will charge higher insurance premiums to under 25′s.

Another group which statistics show to be a risk is men, they are shown to crash more often, speed more and receive more tickets than women. Because of these statistics there has for many years been a great difference between the car insurance rates paid by women and men.

These statistics and the cost of car insurance premiums depending upon the bracket you fall in to seem rather unfair to sensible drivers, there are those who may just have passed their test but have been driving with more care than those who have been driving for a number of years. There are of course some male drivers who are far more careful and considerate drivers than some female drivers out there.

There are of course ways for all statistically at risk groups to lower their premiums and budget car insurance, the first of these is to build up your number of no claims bonus years, for young drivers as well as male drivers the cost of car insurance premiums can be lowered through the type of car they drive. By avoiding the stereotypical ‘boy racer’ cars the premiums can be lowered as they can by choosing lower spec models and engine types until a good number of no claims bonus is built up by the driver.


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