IL car insurance quote

Reader question:

How come as a man I get a higher IL car insurance quote than a woman?

Jeff

Great question, Jeff.

This is the issue that my husband likes to complain about a lot despite the fact that my IL car insurance quote is higher than his anyway since I’m younger, but to each their own. It is true, though, that in general a woman will have a lower IL car insurance quote than a man, although it is most true when the man and woman are both under the age of twenty five. While there is still a gap going on past that age, it isn’t so wide and with discounts and shopping around, it’s actually very difficult to pinpoint at times.

So why is it that you’re paying more than the girl next door? Well, like anything else concerning an IL car insurance quote, it all boils down to statistics. As a gender, men, especially young men, are more likely to get into car accidents, especially serious ones, and thus file claims, be they collision or liability or whatever. Women, on the other hand, have relatively low rates of wrecking, and as such end up with the lower IL car insurance quote.

In the UK, this has been taken to the extreme to the point where there are car insurance companies that cater only to women. The funny thing is, though, that the rates from these companies are often higher than at the companies that sell policies to both genders. Kind of defeats the purpose, doesn’t it?

Anyhow, take this as a consolation: your IL car insurance quote will probably not be the way it is for long. Guys are actually getting in fewer accidents as the years go by, while women are getting in more. They still haven’t met in the middle, but it’s very possible that it may happen in the future to our detriment and to your gain. All power to you!

Cheers,

Fashun Guadarrama.