An insurance company is reviewing the driving habits of women aged 16-24 to determine whether they should pay higher premiums than women in a higher age bracket. In a study of 750 randomly selected women drivers aged 16-24, the mean driving distance for one year is 9750 km and the standard deviation is 4750 km. Use a 0.01 significance level to test the claim that the population mean for women in the 16-24 age bracket is less than 11,490 km, which is the known mean for women in the higher age bracket. If women in the 16-24 age bracket drive less, should they be charged lower insurance premiums?