Well, this isn't just assumption but this is proven fact derived from the data these companies analyze over years. Insurance companies consider themselves at lower risk while insuring a woman driver, because these drivers are less likely to get involved with accidents while driving. This suit perfectly with the theorem these insurers follow, low risk equals to low rate.Thus its easy to get lower insurance rates for females as compared to male counterpart with same factors.
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→Women are considered as more responsible
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→http://gallerygirlss.blogspot.com/2010/12/women-are-considered-as-more.html
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