When we get our start at driving many of us do not see the difference in car insurance rates between male and female. Car insurance for males tend to be slightly higher than that of females, for what reason there is many different explanations to this one. It is said that men’s car insurance is high because of the aggressive direct behavior. Hopefully we can get to the bottom of this so shopping for car insurance can be easier.

When we look at males in all cultures we often see them trying to be the alpha male. It has been proven that male drivers crash at a rate double that of a female. Why you ask? Aggression plays a key role in how we react when we drive. Men have a tendency to have a higher aggression level that is more direct than indirect, resulting in more crashes at higher speeds. So in essence insurance companies rely on data to provide rates for both men and women.

Women’s car insurance tends to be lower because of the lack of aggressive behavior that they portray. Because women’s attention has to be on so many different things, women tend to drive much slower than their counterparts. Women do have a higher rate of slow speed crashes and close car crashes more than men. Even though women have fewer accidents, claims made by women are low, which is good for insurance companies.

When insurance companies quote rates there are many factors that play in the role of the cost of insurance. Companies use data like age, marital status and driving time to determine the rate. Most of the times men only pay a few more dollars for their insurance then women. Men pose a red flag when it comes to insurance because of how many risk that men take while driving. More males are caught with DUIs, speeding tickets and reckless driving, while females are more cautionary than the males.

In South Africa the same rules apply. Males under 25 who drive, insurance premiums are higher because of their lack of patience in driving. The crash rate and traffic offenses are also double times that of a female.  Many South Africans think this rule is unfair, but how you are perceived has driver is how much you will pay. So if you are good driver you can get your insurance at a reasonable price.

If you are a male in South Africa there are steps that you can take that can help you find cheaper car insurance.  The golden rule is to change your driving habits. Not only will changing how you drive lower your premiums, it can help you to be more focused and can take away some of the dangers of driving. Male drivers should always take the time to practice their driving so that they can get to where they are going safely. South Africa also uses statistics that effectively show that South African women pay less than their men counterparts, which is a big deal in the country.

When searching for an insurance company in South Africa you must keep your options open. Men if you want a chance to have lower rates the best bet would be for you to keep your driving record clean. The more you have on your driving record as a man sends red flags to insurance companies. Know that aggressive behavior can hurt your chance at cheaper car insurance. So try your best to become more patient behind the wheel.

Recent South African driving statistics state that if men did not pose great harm while driving in the community, they would actually be able to obtain a lower insurance premium. Males can take a lot from the females when it comes to driving. Another reason why male’s insurance is skyrocketing is because of the lack safety precaution taken.

Highway statistics state that almost all accidents involving males are related to DUI and aggressive driving. Males are most likely not to wear a seatbelt as well. Driving safely can be the difference between enjoying your life and becoming a reckless driver. Therefore, our question on why is women car insurance priced different to car insurance for men has its logical explanations.