Then you are more understanding than most. When i was in that age bracket and was "over charged" only because of that factor it made NO sense to me. They were penalizing me, an individual, because of something some dumb*** did.I'm still stuck in one of the inflated insurance rate age brackets myself and am a safe driver, but I fully understand why I have to pay a slight premium to be insured. The eventual dip in my premium will be the payoff for years of safe driving.
Home owners insurance is no better. My home owner insurance was raised the last couple years, yet I have made no claims what-so-ever. When I called to ask about it they told me it was because others in my state had made more claims than "usual" and the state allowed for an "insurance rate hike". Complete BS as far as I am concerned.