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insurance companies use decades of data to determine the risk of the insured. its a proven fact that people under 25 have more accidents.
insurance is all about managing risk.
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There's also data that shows (at least in the US) that blacks and Hispanics are statistically more likely to be a greater accident risk than whites. Do the insurance companies charge minorities more? Hell no, because that would be racial discrimination WHICH IS WRONG! It is acceptable, apparantly, to discriminate based on age or gender, though.