allcaradvice.com — The gender gap--or is it the veracity gap--is alive and well in teenage drivers. In a study conducted by the Allstate Foundation, 1,063 teenage girls and boys were interviewed online to establish their attitudes toward their driving ability and that of their friends. The findings are very interesting...
May 22, 2010 View in Crawl 4
assubtleasabrikMay 23, 2010
It 100% how the laws work that decides what an insurance company can discriminate on (it is all discrimination, but the true definition of it without all the negative connotations). A company would use EVERY single thing about you that is easily identifiable to set your rate if they could. Right now it's basically gender, age, and driving history. Almost everything in life is correlated and that is all they go by (they don't care about causation).Currently they are having trouble because they are trying to use things like your credit score to determine your rates. That is actually a fairly big deal as a lot of people see that as discriminatory (in the bad way). If insurance companies were allowed to, I'm sure they would use something like the color of your skin to decide rates because I guarantee there is some sort of correlation in there (wouldn't know for sure and how until you looked at the data though).And we can whine and moan about all this but in the end it is just so they can offer the appropriate rate to certain customers (whether it be lower or higher than the standard rate).But sorry, I guess I didn't answer your questions. It's because for car insurance women get lower rates, but for health insurance and annuities they get higher rates. The first one is fine but the second two are obviously discriminatory.
frisbinatorMay 23, 2010
If you think you're a better than average driver, it means nothing. 95% of people rate themselves as a better than average driver, so well over half are NOT better than average drivers. If you're a better than average driver then you stay calm behind the wheel, know when to speed up vs slow down to accommodate others trying to make lane changes, don't go above 10 mph over the speed limit, know how to make lane changes in heavy traffic without forcing your way in unless it's absolutely necessary, keep a reasonable distance between yourself and the car in front of you and pass on the LEFT in the freeway!
lennybirdMay 23, 2010
Skid-loader driving teaches you alot :-); that and go-karts. Seems like we had a similar past. I'm nearing nineteen, and while I've only been driving for 5 months, I seem to have accumulated more driving skill and attention than almost every other teenage driver I've been around. I grew up in western Pennsylvania where we had terribly narrow, curvy/hilly - pothole covered roads with consistent rain and horrendous (black) ice during the winter; mix all that with LOADS of deer, and well, you have to be alert. (we lived in the Laurel mountains near a ski resort). Like you, millerm277, driving is to get me from point A to point B, nothing more. I will never text while driving and only answer the phone for my girlfriend and parents in case of an emergency.As a "new" driver (due to moving, I've had a 6 month permit twice in two states), I've never seen such bad driving as I have here in Phoenix, Arizona. Probably because it's so mindless. Every intersection is the same, the drivers license test is a cake walk, there is almost perfectly sunny weather year round; thus, when someone actually gets in a sketchy situation, they don't know what to do.
skyyoMay 23, 2010
fair enough
Closed AccountMay 23, 2010
sounds about right to me. my friend's girlfriend was driving a bunch of us home from mcdonalds...backed out of a parking spot while staring through her front window! didn't even both to check mirrors, look behind her, etc. I had to yell STOP since there was a car right behind hers! I ended up getting out of the car and walking home 8km. I'd rather get home late than get home in a bodybag
frisbinatorMay 24, 2010
Your scenarios are outliers. It's extremely rare that someone is going 20 miles under the speed limit and it's also extremely rare that there is zero traffic around you on the highway. There really isn't anyway to be 100% certain that there isn't any traffic around you for half a kilometer either. We could make up hypothetical scenarios to justify driving unsafe all day, but really, isn't it better just to always drive safely? In how many fatal accidents do you think that the drivers who caused them were just "comfortable knowingly risking a speeding ticket, or something else?" I would suggest just about all of them.
hydesMay 24, 2010
nope, its just the internet where the men are men, the women are men, and the kids are FBI agents.BTW: wheres my damn sammich woman