Quote:
Originally Posted by MrRoboto
Let me clarify. Insurance companies use statistics which include gender to determine what rate will be charged to a customer. Just because you change the M to an F or to an X on a piece of paper doesn't mean that your gender has changed nor has your driving habits. I can see insurance companies removing gender as part of their statistical analysis.
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It's possible... more likely they will just use biological gender or it will just become statistically irrelevant by itself.
Historically, women have had lower premiums, not because they are safer drivers, but because they drive less. Men have usually been the ones that drive when they are together, and more women stay at home than men. That, however, has changed over the past decade or so and you are actually starting to see premiums for women be more than for men lately (case in point is me vs. my wife - same age, same driving history, similar credit ratings, etc and I pay slightly less at the same company)
And for the other comment, in the US that would be illegal to get married just to get around legislation. I would assume it is a very grey area to change gender just for insurance reasons, and a company might have a case if they wanted to pursue legal action... especially if you said you did it just for that reason.