The photo below is an example of why men pay more for insurance.

Men have accidents more frequently, according to statistics, and research, done by the insurance industry. There are more men working in the insurance industry in management positions, than women, so the validity of this statistic you can trust. There are many behavior factors attached to this statistic. Admit it guys from the time your little boys you have been known to show off. That behavior on the playground is not as dangerous to you, and others, as when you're driving a hunk of metal traveling between 25 and 75 miles per hour.

Men are the drivers in fatal car accidents more frequently than women. Driving under the influence is the single most significant cause of fatal accidents followed by speeding. Women drink less as a group and drive slower then men. Of course we all know of women who are exceptions to this statistic but the rates are based on group behavior. Rates are set by group behavior based on factors like gender, geographical location, and age. Some factors are based on your own behavior.

Smoking is a factor in life insurance and some auto insurance rates. The reason smoker rates are higher for life insurance, is they die at an earlier age as a group, due to smoking related health problems. Smokers have more accidents as a group because they engage in more risk taking behaviors. How does that effect driving behavior? Smokers as a group drink, speed, knock a hot ash in their lap while driving, or take chances more frequently than more conservative people who are non smokers. Is this true for all smokers? No, but rates for insurance are based on behavior of a group.

One solution to reducing your insurance rates is to learning how to stack discounts that cut your premium. For example, young men under 25 are in a very high auto insurance premium group. If they take driver education, earn a B average, don't smoke, maintain a good driving record, keep their insurance in force, and pay their bills on time they can reduce their rates. Having more than one policy with a company can reduce your rates, such as renters, or homeowner's policies. The discount in some cases pays the renters insurance premium. Talk to your agent to learn about ways to reduce your insurance premiums. Each company has different rules, and each state has different regulations, because insurance is regulated by states. If you don't have an agent call the customer service division of your insurance company and ask the representative what you can do to lower your rate. For further assistance call your State Department of Insurance. They provide consumers with free information on how rates are set and ways to reduce your premiums. It is their job to assist consumers with complaints and to regulate insurance transactions in their state.