Even though men love saying that a woman behind the wheel as well as the one on board the ship causes trouble, the fact remains – women are safer drivers than men.

The whole issue here is about two completely different things – being a better driver and being a safer driver. If you are skilled enough to drive your car with your eyes closed and your hands in your pockets it’s great. However, is it worth the risk? Statistically most men are more predisposed to taking risk and adventures than women. They might be and most likely are better drivers than women. The word “better” here means more skilled, professional or resourceful. Men are better convergers and decision makers. One can see that at least by the fact that there are very few famous female racers while there are many professional male racecar drivers.

Thus we see that men are more skillful drivers. But here comes another question – are men safer drivers than women? That is the aspect where most men lose their superiority over women and sink in the estimation of insurance agents. Have you ever seen a man who drives along wide open and suddenly rushes through the traffic to pass the lights before it flashes red exposing his family members and himself to unjustified risk? I think you have, and probably many times. Have you ever seen a woman doing the same thing? I doubt it.

Any insurance company wants to make sure the drivers are not going to cause problems. They don’t want an experienced racer like Michael Schumacher or Mario Andretti who’ll be running around at high speed and demonstrating how cool he is. They want a cautious lady who’ll understands the responsibility and can actually feel the velocity.

Another considerable distinction in male and female behavioral and driving habits is that men express their aggressiveness in a more physical way especially when it comes to driving. This makes men less safe drivers as well.

It goes without saying that all these aspects are absolutely individual and one cannot judge about someone’s ability to drive by his or her sex. However insurance companies rely on those conceptions but they do apply individual approach when they check your driving records and even your grades at school. So, don’t blame yourself for being born a man (if you’re a man) – just try to find other ways to reduce your insurance premiums.

Anyways, here is a list of ten most expensive cars ever insured in human history.

1. Rolls Royce “Silver Ghost”.

This old-fashioned antique vehicle was once insured for $50 million and was recognized as the most expensive car in the world even though it is no longer in production.

2. Ferrari GTO.

When this car was insured for the first time it was purchased for $22 million.

3. Bugatti Type 41 Royale.

The first insured Buggati Type 41 Royale was sold for around $12 million, even though today’s price of this vehicle can be as low as $40,000.

4. Mercedes Benz CLK-GTR.

The price of this vehicle built in a limited edition was up to $2 million.

5. Bugatti Veyron 16.4

The price of this Royale’s brother was $1.7 million. Nevertheless the insurance rates were very high because of the exclusiveness of this model and its high repair costs.

6. Mclaren F1.

This incredibly beautiful sports car costs more than $1 million but its high speeding abilities (more than 230 mph) still make the insurance rates jump up too.

7. Ferrari Enzo.

This peculiar vehicle was also released by limited edition and sold for $1 million.

8. Pagani Zonda C12 F.

The price of this stylish beauty is relatively stable and remains the same during several years – around $0,7 million.

9. Koenigsegg CCX.

This luxurious car costs around $0,6-0,7 million.

10. Porsche carrera GT.

The price of this exclusive vehicle was about $0,5 million.

Most of these cars have a four-wheel drive and are diesel-driven which makes the repairs more complicated. But mainly the high insurance rates are conditional on the high price and the uniqueness of the cars themselves because many of them are very valuable due to their limited edition.

First of all, needless to say that the cheapest car insurance doesn’t mean the best one –insurance premiums might be cheap, but it will probably not cover as much as you have expected. You should be really cautious if they offer you premiums which are much lower than in other companies, and it’s better not to get involved with such a company.

Before you sing any papers or agreements with your car insurance provider, make sure that you know all the terms of your insurance policy. There might be some conditions stipulated in the agreement when the insurance company won’t cover your expenses.

It’s also good if your insurance company has its own certified adjusters who can always come to you in case of any accident and assist you. It’s also recommended to have a personal insurance agent who is competent in that area and is always there to protect your rights.

It may sound ironic, but the best way to keep your car insurance rates as low as possible is to change it every 6 months. Many insurance companies have promotion campaigns every half a year when the premiums get really low after which they level their prices up again. It is always useful to keep an eye on those special offers.

Don’t ever stop looking for the best car insurance that fits your own needs. With such a great choice and competitive activity of many companies it has become quite possible now.