Reader’s Question:

I am a physicist in a university, and my husband is a lawyer. Between the two of us, who would get cheaper car insurance? Would it still matter that female car insurance is cheaper than those for males?

Bella

Boston, MA

Hmm, Bella, you gave me there a tough question. I shall try to give you the best answer that my mind can actually produce. It is true that female car insurance is cheaper than car insurance policies for male drivers. This is because statistics show that male drivers are higher-risk drivers compared to female drivers. But the important thing is that the gender of the driver is but only one factor that affects the pricing of your car insurance policy. And a very good point that you are trying to make is that our jobs also affect our car insurance premiums.

So, who would receive a cheaper premium? Now let us study your case.

Since your female car insurance instantly gives you the upper hand, it may be safe to assume that you might be the one to receive the lower premium between you and your husband. Plus your job as a physicist trains you to be adept at pinpointing details. This prompts you to be less risky on the road. More often than not, we retain in practical life the skills that we learn at work.

On the other hand, your husband is a lawyer. His line of work is highly stressful. And I am guessing that he spends a lot of time talking on the phone while driving. People who have high-stress occupations are usually seen by the car insurance industry as high-risk drivers, hence they receive higher premiums.

But then again, still, there are other things to consider aside from your gender and your line of work. I suggest that you contact a broker to have more accurate comparisons.