The most exciting moment of our life is when we learn how to drive and actually get on behind the wheel. Who wouldn\'t insist to learn to drive especially we turn to the age of 15 or 16. I was really excited when my dad taught me how to drive. When I actually started the first turn on the road, I realized that driving was not easy for me. Since that time, I had told myself that I should not drive so fast on the road because I might get an accident. In order to become better drivers, it is not really necessary that we are men or women. It is the skill of driving and how well trained of driving that person can achieve. We can always remember that learning how to drive is one thing, but learning to be a good driver is asking a person a lot of accomplishment. According to the article, Women are better Drivers, Phyllis Mcginley states that women can achieve a better accomplishment than men for driving an automobile. I do not believe the idea that the author had stated in the article that women are better drivers, that discriminates against young male drivers.

In North Carolina, car insurance companies base their prices on experience, charging more for less experienced drivers. The highest rates fall on the largest group of new drivers, male teenagers. Accidents increase the insurance rate of the person at fault. Each accident accumulates points on the driver\'s policy, which raises insurance costs. For a three-point accident, which involves bodily injury or property damage of $2,000, the insurance rate would rise by 65%, according to the California Department of Insurance. The maximum point value is 12, which is given for driving while impaired, a hit-and-run or a combination of lesser offenses. The cost of insurance would then increase to 400 percent of the original rate for a 12-point offense, and insurance points remain effective for exactly three years.

Statistically, young male drivers have a significantly higher accident rate than other age groups. According to the N.C. Department of Transportation, drivers 16 to 19 were involved in 13.6 percent of all accidents in 1995, which is the highest accident rate of any three-year age range. Whitehurst Insurance agent Louis Whitehurst explains why rates for young male drivers are higher than for older drivers; in North Carolina, insurance is based on years of experience. Once you have been driving for three years, insurance is the same for everybody, he said. Whitehurst Insurance Agency charges $500 per six months for limited liability for a beginning driver, which goes down to $158 after three years, if the driver has not had any accidents. With such amount of money to pay for car insurance, some people just could not afford it. The Insurance Agency could not simply assume that all young male are risky drivers. There are elderly women who could be very risky on the road. This is why I do not agree with Mcginley that women are necessarily always better drivers because there are many women out there who do not drive very well. For example, my girlfriend\'s mother, Mrs. Tram does not driver very well on the freeway. She drives too slow below the minimum requirement that posted, 55 miles per hour. She would cause a slow traffic, and she could get a ticket for that. Sometimes, she would just pass the stop sign because she cannot see very well. This is very dangerous for her as well as others. Based on the evidence that Mcginley stated in the article that simply women are good drivers because they are good to take advice, and another is women think that car is a means of transportation. Again, I do not agree with that statement, because I have known my girlfriend who would not drive a car that would look so old. Linh, another girlfriend of mine, answered me that, I would not drive that old car, I would rather take a bus. I think her examples were not statistically significant enough to prove that women are better drivers.

Today, young drivers have to pay such an expensive premium on car. Car insurance costs seem unreasonable to my best friend, Hau. Obviously,