After reading an interesting piece out of The Globe and Mail on discriminating insurance practices in the EU based on gender or sex, I can only imagine choosing cars that may be deemed cheaper to insure altogether as a way to fight back, until the times catch up with everyone!
It is interesting to note that the article states that women drivers are safer, yet still pay higher insurance premiums than men under similar conditions and driving records. Although, there was no clear indication as to why this is the case, comparisons were stretched along other lines that served other types of insurance but nothing that really related to the unfair insurance practice of charging more for females, in any age bracket, then males. So maybe the key to getting fair insurance rates is to select cars cheaper to insure.
In effect, this would be vehicles that are assessed by the car insurance industry as low risk vehicles. Examples would be minivans, wagons and anything deemed a family type car. Drivers of these vehicles are often projected as more responsible, non-aggressive and considerably more cautious with babies or the entire team in commute with the average soccer mom on board.
Another example would be older models, excluding classics which could be considerably higher to insure, and less expensive reliable sedans. The idea is that if you drive an older car that is really only good for getting from point A to point B, then the likelihood of being in high risk traffic is considerably less – think basic commute.
As with lower priced sedans, these tend to be fuel efficient models that are often times, driven by pre-family individuals of higher income brackets and similar profiling. More importantly, however, is if it looks sporty or flashy the image is going to rub off on the driver as far as insurance companies are concerned, pushing the insurance rates up for drivers of these types of vehicles – regardless.
So bottom line, the idea is to avoid flash, fast and expensive models and choose cheaper vehicles to insure that they are “industry approved,” as safer and lower risk rides. Discriminatory car insurance legislation? Sure, but get equal insurance premiums for cars that are cheaper to insure; invest in auto’s like minivans, station wagons and older, fuel efficient cars that pose little if any threat to car insurance agencies.
0 responses so far ↓
There are no comments yet...Kick things off by filling out the form below.
You must log in to post a comment.