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3 Bumps

stereotyping that we have to pay money for

so let me get this straight. i have a teen son who is going to be driving soon and i have to pay extra just because he is male and of a certain age because someone somewhere discovered that SOME boys of a certain age have car wrecks ?

 
mistik75

Asked by mistik75 at 4:58 PM on Jan. 7, 2011 in Money & Work

Level 15 (2,016 Credits)
This question is closed.
Answers (19)
  • Also, rates vary according to your city....or your county....the statistics show them where most insurance claims are paid. And, our Insurance rewards for kids who get a B average and higher in school--their parents' rates go down.So---it seems the statistics have proven that smart, responsible kids are less likey to cause an accident. interesting,isn't it?
    kerp1960

    Answer by kerp1960 at 5:15 PM on Jan. 7, 2011

  • Not stereotyping, statistical correlation. Teenage boys have more accidents than teenage girls, and all teenagers have more accidents than people in their 40's. That's why of the 3, the boy has higher rates than the girl who has higher rates than her parents. Same reason if you live in a higher crime or natural disaster area you have higher rates than someone who lives in the middle of nowhere.
    NotPanicking

    Answer by NotPanicking at 5:04 PM on Jan. 7, 2011

  • SO is it safe then to say statistical correlation is when a black male approaches your car, its ok to immediately lock the car doors because most black males commit crimes?

    Well that would be silly, since it's statistically FALSE.
    NotPanicking

    Answer by NotPanicking at 5:09 PM on Jan. 7, 2011

  • it is NOT stereotyping.....it is STATISTICS. Sorry, I know it seems unfair but that is the way it is done. Welcome to the REAL world.
    kerp1960

    Answer by kerp1960 at 5:12 PM on Jan. 7, 2011

  • Statistically, teenage males are more likely to be involved in drag/street racing than teenage girls. They are more likely to take bigger risks. However, on the other side of that coin ... teenage girls are more likely to have a wreck because of being distracted by friends in the car, chatting on the phone or texting.

    Sports cars also have higher rates ... I know, I've owned four Camaros ... two under age 25 and two over 25. The two over had cheaper insurance.
    SpiritedWitch

    Answer by SpiritedWitch at 5:18 PM on Jan. 7, 2011

  • You will save some money if he has at least a B average
    rkoloms

    Answer by rkoloms at 9:21 PM on Jan. 7, 2011

  • yes, that's the way the cookie crumbles unfortunately.

    but dont feel bad, when girls reach a certain age our insurances go up. and if we drive bright colored cars (red, yellow, etc) it goes up, too.

    fun, isn't it?
    tnm786

    Answer by tnm786 at 4:59 PM on Jan. 7, 2011

  • Yes, it's about who is MORE likely to engage in risky behavior.


     Funny, the only one of my kids to crash the car, our daughter. The only one to get a speeding ticket, our daughter. Granted, she has been driving 3.5 years longer than her brother.

    Sisteract

    Answer by Sisteract at 5:03 PM on Jan. 7, 2011

  • NotPanicking said:


    Not stereotyping, statistical correlation. Teenage boys have more accidents than teenage girls, and all teenagers have more accidents than people in their 40's. That's why of the 3, the boy has higher rates than the girl who has higher rates than her parents. Same reason if you live in a higher crime or natural disaster area you have higher rates than someone who lives in the middle of nowhere.


    SO is it safe then to say statistical correlation is when a black male approaches your car, its ok to immediately lock the car doors because most black males commit crimes?

    mistik75

    Comment by mistik75 (original poster) at 5:08 PM on Jan. 7, 2011

  • From the insurance business.... its not stereotyping, but all teenage drivers are charged more on insurance, not just boys. Teenagers are inexperienced and are more likely to be bad drivers. They will buy you a new car when/if he totals it, so you pay a higher premium just in case and when that time comes.... Parents like us much much more.

    bjojola

    Answer by bjojola at 5:09 PM on Jan. 7, 2011