Car insurance Guys vs Girls

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They're both discrimination, but as I said before, not all forms of discrimination are bad or harmful. Men pay more to insure because men cost more to insure. Maybe if we got our collective heads together and started training boys to have a little more self-control, so that when they hit 16 and start driving, they don't collectively scream "Wahooo!" and drive 90mph down the freeway, weaving between cars, with a beer in one hand. And, yes, that is deliberate exaggeration for fun; my point is that, statistically, young men seem to collectively think that they can get away with anything and that they're above the law, and that's why they statistically do more ridiculously stupid things that cause horrific crashes.
On the other hand, women's work is paid less than men's work because we, as a society, value it less. We don't see emotionally exhausting care work as 'work' as much as physically exhausting work - so a teenager with no background who gets into, say, home health care for the elderly (primarily female) will be paid less than a teenager with no background who gets into construction or painting (primarily male). Both might be so worn out at the end of a 40-hour work week that they don't feel like doing anything at all on the weekend, but we take more seriously the physical exhaustion of the construction worker than the emotional exhaustion of the home health aid, even though she's been cursed at, hit, and shat upon by somebody's mean old grandpa with Alzheimer's.

As for *why* that is the case, it's based in history - caring work has been unpaid for as long as we can remember as a species, and we are somehow loathe to start paying well for it now. As for what can be done to remedy that situation, the only thing that I can think of is that people in 'pink collar' professions should unionize - but it's seen as a de-facto admission of being a 'poor carer' if you admit that financial stability might be part of what motivates you to work in that field.

Not that I necessarily 100% disagree I find it interesting that you say that some discrimination is bad but others is not, how do you determinate which is okay and which isn't? The justification for men paying more for car insurance is more shaky than I think the justification for women to pay more for health insurance, I'd be interested to hear your opinion on that, where do you draw the line? Would it be right for insurance companies to discriminate racially is they could demonstrate even a stereotyped or generalized disparity? We all have more differences on an individual level than whatever grouping they use to compare. Some men are exceptionally safe drivers(women actually do get into more accidents than men FWIW) and some women probably use very little heathcare services,

Talking about the pay gap I'm glad that you brought up the different nature of the type of work men and women do which obviously isn't a rule either, that does in part explain it but I've always heard that women make less than men at the same job too and that being explained by people saying that women cost more to employ since they take more leave and interrupt their careers to have children. I just think the reasoning one might give to justify this is similar to the reasoning one might give to justify discriminating against men with car insurance.

I dunno, it's a hard question to answer since you want to judge things on their individual merit but to be logically consistent while doing that is much tougher. Someone is going to find objection to whatever type of discrimination they might personally face which may be totally unfair on an individual level, should people be defined by the groups that they're defined to be apart of?

Well it's proven that women are safer drivers than men (at least here in Europe), I said safer, not better. For example most insurance claims concerning women are women who for example are parallel parking and will break a light, or just hit another person's bumper and break it, but really nothing bad and expensive for the insurance companies. While men, they drive faster (another proven fact, the majority of accident involving speed are caused by men), consider themselves has race car drivers once behind the wheel, are more aggressive, get more often DUI's and when they have an accident it often a major one, where cars are destroyed, people are injured and sometimes people die, and these can insurance companies a lot, a big accident can cost a few millions.
Another point, is a woman considers her car has an utility, has a tool to get around, and often drive cheaper cars (Honda's, Peugeot's, Toyota's or family cars) while men consider cars has an extension of what they have in between their legs, and often drive more expensive cars (Mercedes, BMW's, big SUV's).
So when you take all of that in consideration, turns out it's cheaper for women to get insurance.

[youtube]http://www.youtube.com/watch?v=z2wtB3GAATM[/youtube]All men act like this hence why insurance rates are higher!