1. Based on your data set, is the average years of no claims ("Years.no claims") of male drivers is significantly MORE THAN the average years of no claims ("Years.no claims") of female drivers? Test both critical value and p-value approaches at the 8% level of significance. Note that SPSS only performs a 2-sided test.

1. Provide possible reasons why you should expect to find a significant statistical difference between the gender.
2. Based on your findings, should the insurance company charge higher premiums based on the gender? Explain your reasoning.

Insured.agn Insuredse: Car.age 58 Male 52 Male '6 Male 35 Female 40 Male 39 Female 26 Female 81 Female 72 Male 63 Female 57 Male 62 Female 56 Male 64 Male 50 Female 51 Female 41 Female 72 Female 36 Male 64 Male 41 Male 67 Female 41 Female 58 Female 31 Female 68 Male 42 Female 57 Male 56 Female 76 Female 47 Female Marital 0 Married 3 Single 10 Single 12 Single 0 Married 10 Married 1 Single 5 Single 0 Married 6 Married 2 Married 3 Married 2 Single 4 Single 5 Married 2 Married 8 Single 2 Married 5 Married 2 Married 2 Married 4 Married 2 Single 2 Married 7 Single 8 Married 3 Married 4 Married 7 Married 3 Single 4 Married Car.use Commute Private Commercii Commute Commute Commute Commute Private Private Private Commute Private Private Private Commute Private Commute Private Commute Private Commute Private Commute Commute Commute Private Private Commute Private Private Commute Credit.scor Region 777 Urban 816 Rural 794 Urban 782 Urban 853 Urban 841 Urban 854 Urban 831 Urban 866 Rural 900 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69 27 Female 14 Single Private 883 Urban 6213.71 10 18 58 Female 2 Single Commute 815 Rural 9320.565 41 18 46 Male 8 Married Private 796 Urban 6213.71 21 75 76 Male 1 Married Private 796 Rural 3106.855 40 81 34 Female 10 Single Private 818 Urban 6213.71 6 65 59 Male 9 Married Commute 854 Urban 12427.42 34 33 53 Male 8 Married Farmer 884 Rural 6213.71 36 38 59 Male -1 Single Private 798 Urban 9320.565 42 37 50 Female -1 Married Private 852 Urban 9320.565 32 67 67 Female -1 Married Private 895 Urban 6213.71 44 91 52 Male 4 Married Commercii 759 Urban 18641.13 36 36 24 Male 8 Single Commute 885 Rural 12427.42 7 98 64 Male 9 Single Private 889 Urban 6213.71 48 12 35 Female 0 Married Commute 861 Urban 12427.42 9 82 55 Male 4 Married Private 828 Urban 6213.71 38 12 58 Male 1 Married Private 887 Urban 12427.42 35 33 74 Male 6 Married Private 831 Urban 6213.71 53 75 49 Female 6 Married Private 839 Urban 6213.71 24 43 39 Female 0 Married Commute 787 Urban 6213.71 11 72 49 Male 11 Married 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900 Urban 323 Rural 3'89 Rural 379 Urban 15534-23 3105.355 12427.42 5213.71 12427.42 5213.71 5213.71 12427.42 5213.71 5213.71 5213.71 3723.225 5213.71 5213.71 18541.13 5213.71 5213.71 21 15 29 43 23 22 13 45 43 10 55 20 29 33 52 53 39 72 74 30 72 37 72 32 38 59 12 77 43 55 23 47 Female 63 Male 54 Female 65 Female 63 Female 32 Female 50 Male 69 Female 75 Male 48 Male 75 Female 70 Male 67 Male 47 Male 40 Female 33 Female 38 Male 29 Female 32 Male 29 Male 66 Female 34 Male 47 Female 66 Female 28 Male 40 Male 64 Male 4 Married 1 Married 6 Married 10 Single 6 Married 1 Single 7 Married 4 Married 9 Married 7 Married 2 Single 1 Married 6 Married 7 Married 1 Married 6 Married -1 Married 1 Married 13 Married 5 Single 1 Married 13 Single 4 Married 3 Married 2 Married 3 Married 1 Married Commute Commute Private Private Commute Commute Commercii Private Private Private Private Private Private Commute Private Private Commute Private Commute Private Farmer Private Private Private Commute Private 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31 89 78 Male 13 Married Private 900 Urban 9320.565 46 76 61 Female 9 Married Private 746 Rural 9320.565 40 30 27 Female 7 Single Commute 825 Urban 6213.71 11 38 48 Female 8 Married Commute 594 Urban 18641.13 31 36 65 Male 6 Married Farmer 844 Rural 6213.71 47 90 30 Female 7 Married Commute 857 Urban 9320.565 12 30 49 Female 11 Married Commute 659 Urban 6213.71 19 62 23 Male 10 Single Commute 834 Urban 6213.71 5 32 51 Male 2 Married Commute 892 Urban 12427.42 32 15 65 Female 3 Single Private 893 Urban 6213.71 46 85 42 Female 12 Married Commute 484 Urban 12427.42 26 60 26 Female 10 Married Private 687 Rural 9320.565 10 36 28 Male 3 Single Commute 789 Urban 12427.42 4 68 55 Female 6 Married Private 859 Urban 4970.968 38 14 32 Female 9 Married Private 844 Rural 6213.71 15 39 67 Male 6 Married Private 869 Rural 18641.13 22 38 40 Male 11 Married Commute 787 Urban 6213.71 16 18 27 Female 0 Single Commute 831 Urban 12427.42 11 32 24 Female 3 Single Commute 838 Urban 12427.42 8 84 64 Male 1 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61 Female 8 Married Commute 804 Rural 9320.565 45 88 45 Male 14 Married Commute 834 Urban 9320.565 28 15 32 Female 12 Single Private 597 Rural 6213.71 12 39 41 Female 5 Married Commute 661 Urban 12427.42 22 30 27 Male 6 Single Commute 668 Urban 6213.71 11 24 63 Female 8 Single Commute 872 Urban 6213.71 46 75 49 Male 6 Married Commute 823 Urban 12427.42 23 31 62 Female 12 Married Commute 856 Rural 6213.71 44 36 56 Female 8 Married Commercia 872 Urban 11184.68 39 65 80 Male 0 Married Private 862 Rural 4970.968 34 23 31 Male 5 Married Private 744 Urban 6213.71 13 83 82 Male 12 Married Private 899 Urban 4970.968 45 72 67 Male 7 Married Private 857 Urban 6213.71 47 86 43 Male 0 Married Commute 814 Urban 15534.28 25 72 41 Male 5 Married Commute 707 Urban 6213.71 7 65 55 Female 10 Married Private 900 Rural 6213.71 38 87 41 Female 5 Single Private 880 Urban 2485.484 25 15 53 Female 1 Married Commute 617 Urban 9320.565 14 6753 Female 49 Male 49 Female 63 Male 63 Male 55 Male 53 Female 44 Male 59 Female 21 Male 48 Male 49 Male 46 Female 73 Female 48 Male 44 Male 66 Male 68 Female 48 Male 45 Female 61 Female 59 Female 69 Female 50 Female 39 Male 1 Married 1 Married 0 Married 14 Married 2 Married 5 Married 4 Single 10 Married 3 Married 12 Single 1 Single 2 Married 3 Married 1 Single 5 Married 9 Single 6 Married 12 Single 3 Single 4 Single 5 Married 6 Single 10 Married 13 Single 1 Single Commute Commute Commute Private Commute Farmer Commute Commute Private Commute Commute Commute Commute Private Private Commute Private Private Commute Commute Private Commute Commute Commute Commute 517 Urban 857 Urban 859 Urban 879 Urban 691 Rurm 899 Rural 848 Urban 858 Urban 871 Urban 816 Urban 841 Urban 669 Urban 851 Rural 226 Urban 817 Urban 240 Urban 84D Rural 820 Urban 201 Urban 838 Urban 818 Rural 612 Rural 824 Urban 821 Urban 841 Urban 9320.555 12422.42 9320.555 3105.855 5213.21 12422.42 12422.42 1242.242 12422.42 5213.21 5213.21 12422.42 12422.42 5213.21 5213.21 9320.555 5213.21 5213.21 5213.21 9320.555 9320.555 2455.452 5213.21 5213.21 13520.15 14 32 33 42 39 24 33 32 30 25 42 10 10 50 42 23 28 43 34 43 31 23 52 54 22 18 20 38 81 30 90 18 20 38 24 38 24 25 89 82 59 31 85 82 59 32 88 39 Male 95 Female 54 Male 62 Female 29 Female 33 Male 49 Male 34 Female 69 Male 38 Male 53 Female 49 Female 63 Male 26 Female 66 Male 66 Male 69 Male 58 Male 29 Female 41 Female 33 Female 44 Female 42 Male 34 Male 66 Male 29 Female 33 Male 65 Female 61 Female 41 Male 74 Female 38 Male 39 Female 66 Female 30 Female 1 Single 18 Married 4 Married 12 Married 8 Single 6 Married 3 Married 1 Married 2 Married 3 Single 5 Married 6 Married 6 Married 9 Single 9 Married 3 Married 10 Married 3 Married 4 Single 2 Married 1 Single 6 Married 5 Single 0 Married 12 Married 13 Single 2 Married 2 Married 1 Married 0 Married 2 Single 3 Married 14 Married 6 Married 12 Single Commute Private Private Commute Commute Commute Commute Private Commute Commute Commute Commute Private Commute Private Private 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Urban 6213.71 12427.42 6213.71 6213.711. 9320.565 12427.42 9320.565 6213.71 9320.565 6213.71 6213.71 6213.71 6213.71 12427.42 7705 12427.42 6213.71 6213.71 621.371 6213.71 9320.565 6213.71 6213.71 12427.42 12427.42 6213.71 5592.339 44 22 50' 41 26 44 18 36 35 19 35 58 29 29 21 24 44 42 12 15 33 29 21 62 45 35 52 30 71 84 91 85 31 57 15 69 89 59 30 57 79 39 23 85 30 38 71 76 30 30 88 30