Earlier quoted context omitted.
It does work like this in some places, and younger drivers aren't any better off in terms of pricing, speaking from personal experience. So this is 95% just pricing by age "with extra steps" as they say. Consider this: if the first accident happens to an average person after 10 years of driving, young people will take a loooong time to build a driving record that can even be considered average let alone good. And you…
Sure, but the exact same argument applies to charging men more - we know as a matter of fact that men get into more accidents than women do, for various reasons. Yet at least some places decided it's illegal to charge men more - so knowing that it's a statistical inevitably that men will cause more accidents, now both sexes pay more, but at least the premiums are equal. Is it better overall? My internal logic tells m…
Not the same with gender or race, you're stuck with what you're born with (statistically insignificant numbers of transitions notwithstanding).
I think this is a meaningful, if not perfect, distinction.