In some cases I would agree...
But I mean, I'm almost 20, been licenced for almost 4 years, no accidents, one ticket over two years ago, so its not even on my record anymore, and I still pay $3000/yr for only PLPD on my rust bucket car worth half that on a good day. That's why they are lowering it for us.
I mean, for "high risk" vehicles, like Honda Preludes or Mustangs or something, I could really see higher rates for those with under 20 drivers... but come on, $5500/yr for full collision on a SUNFIRE?? thats just highway robbery, and the Government knew it and are putting an end to it.
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