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I am wondering why young men and young women are lumped all together for car insurance premium reasons. I am a young woman, and although I have never had a ticket or an accident, my insurance is sky high. If I wasn’t on my parents’ car insurance policy, I doubt I could afford the premiums by myself.

I called my car insurance agent and was told that there is no cheap car insurance, ladies! Because I am a young woman, and because young drivers tend to get more traffic violations (also known as the dreaded tickets!) as well as get into more accidents due to their inexperience and willingness to take chances, I pay a higher car insurance premium.

When I got off the phone with my agent, I did a little research online and found out that males across the board, regardless of age, tend to have more accidents and traffic violations. This is particularly true for my age group as young drivers. So, in essence, I am being lumped together with the males who drive erratically and irresponsibly.

I understand that insurance companies cannot individual tailor rates to people and their circumstances. That would take way too much time. What I am wondering, however, is why insurance companies cannot split up the premium tables between males and females in my age group. In this way, females would start out at a lower rate but there would still be a consequence for getting into an accident or getting a traffic violation. She could start paying the higher rates that males already pay. This would offer an incentive, I believe, if a young woman were to think about disregarding the rules of the road.

I think if we band together, young women of America, we can get cheap car insurance ladies!