> But, that is not really what it means.  Women might have more accidents 
> per mile driven and still get a discount if they drive fewer miles.
> mitch

> > Another reason to be very skeptical: Auto insurance discounts for
> > women.  4000 actuaries can't be wrong!
> >                        Prof. Bryan Caplan                

Insurance companies typically querry customers as to how much they drive,
which affects the insurance rates.  If such data is available, then we
could see the sexgender differentials for various amounts of driving.
It might also make a difference whether the driving is mostly commuting,
other urban, or for long trips.  The clearest difference is for young
drivers, i.e. 16-24 years of age, where the males are more accident prone,
a difference evidently related to their being more risk-loving.
Fred Foldvary


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