Table 8.

Results of one-way ANOVA.

Construct	Variables	Comparison of Differences in Means
		F	Sig.
URB	Gender	0.161	0.522
	Age group	1.947	0.102
	Annual mileage	5.108	0.001 *
	Education level	1.948	0.122
	Insurance other than mandatory insurance	2.412	0.001 *
	Accident experience	8.79	0 *

Note: URB = underestimate risk behavior; F = statistics for the F-test; Sig. = significance of difference; * Correlation significant at 5% level.