Now I don't know how this works out statistically, I'll just give my general opinions. I think that I am a much safer driver even though I am younger compared adults on cell phones. I don't think the disparity is as huge as people say, but that's just my gut talking.
You're right, it's not that dangerous.
1. The chances of wrecking your car is not
"extremely high" because you're a teenager. If you know you're drive like an idiot, then your chances of your car being wrecked becomes "extremely high". If you know you drive sensibly, your chances of ****ing up your car is just as low as a sensible adult's. In 1 year, your driving skills will be quite good, so I wouldn't worry about your skills. Also, adults get sloppy driving skills. Personally, I think adults should be forced to take a re-test every 10 years, but that's a different topic altogether.
Driving practice and experience are important, but
paying attention and being
smart are bigger factors than age. Age and experience mean nothing if you act like an idiot on the road. You're just an experienced idiot.
2. Insurance costs for young people is not expensive
only because you're young. It's just a great excuse for insurance companies to charge you high rates. In fact, it's a perfect money-making excuse. Oil companies also make more money than ever based on a very sensible excuse. Oil companies tell you they need to increase the price because cost of oil is increasing, but if that were true, why do oil companies earn record high $10 billion per quarter (net profit)!!! Their costs have increased, but their prices have increased at a higher rate than their costs.
I have to admit...that is the dumbest thing I have ever read in my life.
At first, his post seemed like something that's meant just to be funny, but now I actually think he was serious. Scary thought.