Rumor has it that men are safer and more reliable drivers than their female counterparts and the insurance company disagrees to such misconception. Their business believes is to increase their profit and reduce their risk. They have measure almost every metric that you can think of, just to acknowledge that women are better drivers than the men in today's world.

With the use of demographic data (e.g. age of those drivers involved in the accidents and gender) as part of their formula, the insurance company has historically calculated policy rate. This means that the demographic group with high level of accidents will have the bigger insurance rate. With this calculation, women have proven to be safer drivers than the men.

Recently, Carnegie- Mellon study finalized that the men are likely to be involved twice in traffic accidents than the women. The insurance industry has revealed that 64%of men have never received a traffic violation while 68% of women have no traffic violation. Also it was discovered by the study that 10% of the men are more likely to have received multiple citations than the women.

Several policy providers have acknowledged these differences between men and women by specifically insuring female drivers and ensuring that women pay lesser rate than the men. Special individual companies have been set up by these insurance industries to provide and under write car insurance for the women.

Getting a free online quote from any insurance provider will help you know how to fare in comparison to different types of drivers. Definitely, you will find out that car insurance for women is usually cheaper than that of the men which happens to be the same policy.

The general perception that women are worse drivers than men is not factual because the insurance industry uses more than gender to ascertain your rate.