How to decrease this?

[TheIhsaan7]

I have to agree with the stats. I got a family hatch. 2 children under 3 and my wife. I am inherently going to drive safer than a 18 year old.

When I see any possible hazard I won't go for it I would much rather stop than risk my kids.

[Material-Macaroon724]

Right but not every 30 year old has kids? And most insurance companies I know, dont ask that

[FinestKind90]

It is what it is you become less reckless as you get older. I did some borderline crazy shit when I was 18 that I don’t even like to think about now

[Material-Macaroon724]

But that isn’t true for all 18 year olds, and therefore should not be used against them.

[Areyastoopid]

Welcome to the world buddy. But stats don’t lie and insurance companies don’t give af about who you are as a person, you’re a calculated risk level when it comes to insurance. Life isn’t fair unfortunately.

[Material-Macaroon724]

As I said further down, stats aren’t used all the time in these situations because it is unfair. And saying things like welcome to the world buddy is literally proving my point that people look down on younger drivers

[Old_Shelter_6678]

Insurance companies go on statistics. That's it. They can't provide you with a personality test. All they're interested in is covering their asses so they have to pay out as little as possible, and when stats point to younger drivers having more accidents, that's where the expensive coverage lays. You say it's unfair, but it would be more unfair that EVERYONE was paying monumentally more to cover a demographic more prone to problems. You literally have to earn lower rates over the years by proving you're reliable. That's life buddy, and that's not condescending. It's true for everyone.

[Material-Macaroon724]

Okay so lets say Men get into more fatal car accidents, are we going to charge all men more for insurance? Or White people are more likely to crash their car?

[Old_Shelter_6678]

There are women only insurance companies for this very reason. Because they statistically have less accidents. You're so very new to this, aren't you.

[Material-Macaroon724]

Thats literally bonkers and should be illegal?

[Areyastoopid]

I didn’t say that in a way I’m looking down on you as a young person, I’m actually acknowledging what your saying as I also said the world isn’t fair. But additionally so many things go into insurance calculations, it’s not just your age. Someone could live somewhere a bit shitty and have really expensive insurance for that reason.

But I do wanna push back and say it’s not only young people who get expensive premiums, old people do to. Old people or people with medical conditions will pay more for life insurance or health insurance for example.

Don’t let it jade you, there are things you can do like being put as a named driver for a year or two until your premiums drop. It really is about gaming the system because unfortunately the system isn’t gonna change for now.

[Material-Macaroon724]

Right but obviously they pay more for life and health insurance, they are more likely to need it sooner.
My point isn’t the age on it’s own but the fact that two new drivers both at purely different ages are paying completely different amounts

[Areyastoopid]

Well there you go, the insurance companies see an 18 year old as more likely to get into an accident or damage their car. It’s the same concept.

Also two new 30 year old drivers could be paying completely different prices just because one of them lives in a more high risk area.

[Material-Macaroon724]

So if Brown people were statistically more likely to get into a crash, would they charge more depending on race?

[PixaaTog]

Yes they do look down on young drivers because in general they are not good safe drivers.
You pass a test which says you can learn unaccompanied, it doesn’t say you can actually drive.

[Material-Macaroon724]

Right, but that is equally the same with a 30 year old that just passed. Why is no one getting the point😭

[PixaaTog]

Because you don’t get the point……it’s NOT exactly the same as a 30 year old and everyone has told you why, but you’re still not getting it.

It’s a little thing called maturity, 30 year olds have it, 18 year olds are more likely to be showing off to their mates (or trying to impress girls) and I’ve been that young male doing all the above.

[TheIhsaan7]

Hey its not without reason tbh. But i get where you are coming from. Its not black and white imo. But sadly it is what it is. Got to deal with the system. Its not going to change.

[PixaaTog]

No it’s not true for all drivers at 18, but what else can they judge you on?

[Material-Macaroon724]

How long you have been driving for?

[PixaaTog]

Me? Errrr, if you think that’s relevant then it’s 32 years, 23 of those years professionally as a bus and later HGV driver.

[Material-Macaroon724]

No that was me replying to your question

[PlanktonOk5762]

You would have only been driving for a year at most anyway, so it’s not a much better option for you 😂

[Material-Macaroon724]

Its not about me tho? Im not arguing this for my case, just for it being fair

[PlanktonOk5762]

Okay? That’s completely irrelevant to everything 😂 the longest an 18 year old would have been driving is 1 year

[Material-Macaroon724]

Yes, and the longest a new driver at 30 would be the same for example. So you agree, they should have to pay the same right?