when i asked that question to my insurance provider the only thing she said was based on the number of years of the driver. Nothing else.. believe me because I tried to lower my rates any way I could, however I got nothing off because the company makes a ton of money off me driving around not getting into accidents. 😀
They are right. it takes roughly 5 years of driving experience before some one driving skills are up to average. There is a reason the first rate drop quite off happens when one turn 21. Also people under the age of 25 are more likely to take risk. This increase the chances of a wreck.
If you want ways to lower you rates. Taking driver training (driver Ed) is a pretty good rate reduction and then take Defensive driving which is another 10% off. Also good grades should get you another rate drop.
The 2 worse driving groups that control the largest chunks of wrecks are the very young drivers (teenagers) and the very old. Very young because of lack of experinces and stupidity. Very old because of poor reaction time
I HATE parents think they are much better drivers because 'they've been driving 35 years' and we've been driving '35 weeks'. I hate the way parents act like driving is the HARDEST THING TO DO. While it does come with a lot of responsibility, it's not a complicated thing to do. And just because you drive a long time does NOT mean you are a better driver. Come drive where I live and you'll find yourself angry with the idiots who still cannot merge onto simple highways.
Hate to break it to you but you parents are right. Driving is a hard thing to do and does come with a lot of responsibility. You are a rookie driver. You have not learned what information to filter out and what to focus one when driving. You do not know how to deal with a lot of things that you only learn by experience. You have not gain the ablity to just "flip a switch" to very attentive driving.
Studies they have done between a teenage new drivers and an experience driver is they look at the eyes and what they focus on. An experience drivers eyes are darting around all over the play never staying in one spot for very long. They tend to also focus much farther down the road. Both things you do not do correctly yet (and do not pretend that you do) While you parents may make it look easy it is because they are able to filter out the stuff that is going ok. I want to say 80%+ of the things going around me when I drive is nver given any active though to it. Reason being is it filtered out for that other 20% that requires my attention. The 80% are basic things like checking gauges and look no cars in my mirrors. Or a car that is going to same speed as me. My filter is mostly looking for things that are out of place or can become a problem (stop lights, brake lights, interstices with cars ready to pull out ect)
A new driver has not gain the ability to have there subconsciouses handle most of the work load in driving. Most of the time you will not react quick enough on the brake because it not an automatic processes to slam on the brake when needed. Lets add to that you do not know when to steer instead of braking.
There are a lot of things about driving that one can only learn from experience. I used to think driving was the easy thing to do. Then I started having to deal with things like nasty traffic. Then all of a sudden you quickly learn that unless you can have you subconscious deal with all the basic driving stuff it very over whelming. Hell it can be overwhelming just trying to keep track things that require attention much less have to focus on basic driving things. That is when filtering for information is a very valuable skill. It is information overload other wise. You have to know what is important and has to be kept track of and what can be dumped.
As for idiots who can not merge on to the freeway get used to it. There will always be idiots out there. More often that not those idiots will be young drivers. It about knowing how to prepare and adjust for it before they cause you problems. Plus people just make mistakes. I know I made my fair share and had close calls. We all will get those.
As for the point of this tread.
Teenage styrotype They think they can drive and are great drivers and in reality they are among the crappiest drivers out there. Mix with inexperience and then thinking they know what they are doing. BAD BAD combination.