Who are better drivers - Men or Women?

For years, it's been the same argument. Men are better drivers than women. Despite the lack of any real proof, there are few men that would honestly put their hands on their hearts and admit that their wives or girlfriends were better drivers than they are.
So, who is more likely to get a traffic violation? Or be in a fatal accident? When the question is asked that way, it might give even the most proud male driver a moment of pause.
Insurance companies have already made up their minds on the matter—and they have the data to back it up.
"All the evidence points to young males having riskier driving habits than young females. Men between the ages of 16 and 25 are much more likely to be involved in accidents, or be cited for traffic violations," explains Insurance.com VP, Sam Belden. "Insurance companies bear this kind of behavior in mind when quoting rates."
Insurance.com's own data supports this, too. Based upon information provided by consumers in the first half of 2008, Insurance.com reports that 68% of women have no traffic violations versus 64% of men.
Of those reporting violations, 30% of women have 1–3 traffic violations versus 33% of men, and 2% of women have 4+ traffic violations versus 3% of men.
The Official NumbersAccording to TrafficSTATS, a risk analysis study by Carnegie Mellon for AAA in 2007, men have a 77% higher risk of dying in an accident compared to women. The study, using information from both the Fatality Analysis Reporting System (FARS) and the National Household Travel Survey estimated fatalities per 100 million trips to be 14.61 for men and 6.53 for women. The total number of fatalities between 1999 and 2005 were 175,094 for men and 82,371 women.
According to the Insurance Institute for Highway Safety (IIHS), 14,512 male drivers died in 2007 compared to 5,865 female drivers, and even though there tend to be more male drivers on the road than females, the numbers strongly support the TrafficSTATS report.
“All the evidence points to young males having riskier driving habits than young females. Men between the ages of 16 and 25 are much more likely to be involved in accidents, or be cited for traffic violations.” —Sam Belden, Insurance.com VP
Age MattersMales aged 20 to 24 were more likely to die in an accident, while females aged 16–19 were slightly more likely to be killed than females 20–24. Many auto insurance industry experts would agree with the theory that males, especially young men, tend to drive more aggressively than women and display their aggression in a direct manner, rather than indirectly. And, experts agree that male drivers break the law more, and take more risks when driving.
On the flip side, IIHS also reported that from 1975 to 2007, female deaths in motor vehicle crashes increased 1 percent compared to an 11 percent decline for male motorists during that same period. IIHS attributes this to "increased exposure" with more women licensed now than in the past.
Doomed to Pay More?Although younger drivers are more likely to pay more for their car insurance, it's not always driving habits that make the difference. Many other things are taken into consideration by insurance companies, not always in a bad way.
"It's important to bear in mind that not every insurance company evaluates risk in exactly the same way," reports Belden. "This makes it even more important for younger drivers, of both genders, to compare rates before buying. There could be a considerable difference in premium between one company and another."
The argument is likely to continue, but as far as car insurance companies are concerned—for now, at least—young men are the riskier drivers.
Safe Driving CoursesAccording to data provided by IDriveSafely.com, a provider of online driving courses, the split between males and females completing such courses favors males by 55% to 45% in 2008. This is across all age groups, and includes those drivers seeking potential discounts on their car insurance policies. The percentage of males taking courses has been steadily increasing over the last five years. Does this mean that men realize that they need more help than women? Are they becoming safer drivers because of this?

New Web Site Enhancements to Kerry Wilson Insurance

Kerry Wilson announces new enhancements for http://www.kerrywilson.com, the web site for Kerry Wilson Insurance:

A video has been added to the Home page explaining that getting insurance with Kerry Wilson Insurance is as EZ as 1,2,3. First, click on the quote icon. Next, fill out the quote request form. Finally, one of the representatives at Kerry Wilson Insurance will handle the rest.

Other enhancements include: A FAQ page explaining SR-22. What is SR-22, who needs one, how to get one, tips on getting your drivers license reinstated.

A Service Page has been added where you can get a quote, submit an Endorsement Request, or make a payment.

A list of all of Kerry Wilson Insurance's carriers has been added on the Our Carriers page, with links and phone numbers and NAIC numbers for all of the carriers.

Meet the staff on the Our Staff Page. Photos and emails addresses of all of the staff at Kerry Wilson Insurance, and a photo of the Kerry Wilson Insurance Service Center.

Ever wonder what the definition of terms like: aggregate, bodily injury, beneficiary, or concealment? Find out on the Glossary Page, which lists dozens of insurance terms and definitions.

Kerry Wilson has also added a Directions Page and a Links Page.

Check out http://www.kerrywilson.com for the lowest price car insurance in Alabama.

Conterfiet Money

Be ware of conterfiet $5 bills. We saw one in our office today that marked brown with the detector pin. We check all bills.

EZ Pay Insurance - Down Payment $10 higher than Kerry Wilson Insurance

EZ Pay Insurance charges a down payment that is $10 higher than Kerry Wilson Insurance (http://www.kerrywilson.com 256-546-2811). In addition, EZ Pay charges an additional $5 monthly payment fee - something they don't tell you on the phone.

Drivers License Reinstatment Information

Drivers License Reinstatment Information: Fees, Address of State Trooper Offices, can be found at:
http://www.dps.state.al.us/driverlicense/reinstatement.aspx

Applications and Endorsements over the Phone

We can now accept most auto and motorcycle applications, endorsements, and payments over the phone, by calling Kerry Wilson Insurance at 256-546-2811 or 800-575-3779 (800-57-KERRY).

New Service From Kerry Wilson Insurance - Crash Reports

Kerry Wilson Insurance is going to order all accident reports needed for Underwriting or claims information. We will collect the fee from the customer, but we will obtain all reports.
Besides claims. Crash reports are needed when an accident is displayed on your Motor Vehicle Report, that is not your fault. When that happens, the underwriter will assume that the accident is your fault, unless you supply the accident report. Until now, it has been the customer's responsiblity to obtain the report and furnish it to Kerry Wilson Insurance. Now, we will collect the required State of Alabama Fees and a convenience fee for a total of $20 and obtain the report for you. This will save the policy for being rated up or cancelled due to the reports not being sent to the underwriter on time.
For more information contact: Kerry Wilson Insurance, 108 S. 5th Street, Gadsden, AL 35901 phone: 256-546-2811 http://www.kerrywilson.com . We have the lowest rates on car insurance in Alabama. We shop with 29 different companies to give you the best price for Auto Insurance in Alabama.