i'm perfectly aware of why younger drivers have higher insurance rates. because they don't have experience behind the wheel. to equate them to sports car drivers as you did right up there ^^^ is ignorant.
I was always pretty sure it had to do with how much of a risk you are as a driver. The insurance company has to pay when you get in a wreck, so if your odds of getting in a wreck are higher, your rates go up.
Males pay more for insurance, same provider, same vehicle, same driving record, than a female.
Younger drivers (16 - 25 in most states) pay astronomical rates for insurance because of their age group. They're the most dangerous age group on the road.
People with sports cars pay more because they're statisticly more probable to be in wrecks than people in land yachts, trucks, minivans, whatever.
Skoorb isn't making this stuff up, insurance rates go by statistics and numbers, not big fat guys with cigars and pinky fingers in the corners of their mouths.
