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Car Insurance company sexist rates

AlistarWills

AlistarWills

Hall of Fame
Jul 26, 2006
5,616
3,435
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I had to sign my 16 year old son up for insurance this morning. I'm being charged more because he's a male. I knew this occurred but had forgotten about it till the sticker shock hit me this morning. It got me to thinking, why hasn't there been a class action suit against insurance companies file due to them charging more based on gender? And now that I typed that out, what about those poor souls that can't figure out what gender they are? Are they arguing with insurance companies over their gender on their birth certificate vs what they think they are?
 
seebell

seebell

Hall of Fame
Mar 12, 2012
11,914
5,112
187
Gurley, Al
LOL multiple genders. One for school, one for car insurance and a changing one for use of the emptiest bathroom at the venue.:) Car insurance for a young person is sky high.

Drivers Ed in school helps. State Farm using to have a safe driving course you could do at home that helped a little on cost
 
AlistarWills

AlistarWills

Hall of Fame
Jul 26, 2006
5,616
3,435
187
We got the drivers ed one and honors student one but it's not helping my wallet a lot.
 
rolltide_21

rolltide_21

Hall of Fame
Dec 9, 2007
12,531
9,356
187
NW AL
My mom made me a deal when I turned 16. She would buy me a reasonably priced truck and I was to pay the insurance. Sounded like a good deal. My insurance was higher than my payment. Played by my own mother! Lol.


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Tide1986

Tide1986

Suspended
Nov 22, 2008
15,667
2
0
Birmingham, AL
Life insurance and certain health-based coverages are also sexist. Men have higher mortality rates and end up paying higher rates for individual life insurance, and women have higher morbidity rates and tend to pay higher rates for certain health-based insurance products.
 
CaliforniaTide

CaliforniaTide

All-American
Aug 9, 2006
3,693
116
87
Huntsville, AL
I think it's more to do with a teenage driver than being male. However, assuming all things are equal, males get charged more even when they're adults. Data does show that male drivers get into more at-fault accidents than females... somehow.
 
uafan4life

uafan4life

Hall of Fame
Mar 30, 2001
16,296
8,449
287
44
Florence, AL
CaliforniaTide said:
I think it's more to do with a teenage driver than being male. However, assuming all things are equal, males get charged more even when they're adults. Data does show that male drivers get into more at-fault accidents than females... somehow.
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Last time I saw the statistics, females were involved in far, far more at-fault incidents overall than males - it was just that males were involved in more multiple-vehicle incidents and the overall cost for their incidents was higher.

Incidentally, also the last time I saw the statistics on it, female drivers were pulled over more than 50% more often than male drivers; of course, female drivers were receiving almost 50% fewer tickets.
 
B

BamaInCummingGA#1

Scout Team
Jun 8, 2017
126
0
0
Cumming,GA
AlexanderFan said:
They use statistics, statistics can't be sexist. Or racist.

Obviously I haven't taken time to do the full research on this but my wife and I recently changed insurance companies and we did that snap shot type thing and she saved 5% and I saved 14%.
I work for an insurance company ( not an underwriter so please don't ask me questions about rating because I don't have any real answers about that. Don't ask me about your claims, either because I can't answer them, either......lol) and I personally think they should start out with the same rates for all 16 yr olds and if a minor has an accident then up that individual rate.

PS - You can make statistics look any way you want to if you cook the books just right.
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AlexanderFan

AlexanderFan

Hall of Fame
Jul 23, 2004
13,000
10,563
287
Birmingham
seebell said:
Look here Bud, you can't just come on here and makeup words!:eek2: We pride ourselves on the pureness of thought and grammatical correctness!:tongue:
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Just because you can't handle my intellectualismness doesn't mean the others can't.

;)


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