Absolutely. A 25 year old driver who passed their test a day before will pay much much smaller premium than a 20 year old driver who also just passed their test(even if the 20 year old driver already has 2 years of experience and no accidents their insurance will still be more expensive). I obviously don't have access to the actuarial data used by the insurance companies, but it's very easy to check this with many online insurance comparators.
Why are you so sure that such data exists if you have never seen it?
I'm already slightly inclined to suspend my disbelief, because I know a little bit about developmental psychology that sort of corroborates what you're claiming about the ageism thing, however, if you want to start discriminating based on race, you have to be ready to bear a massive burden of proof when you make racist claims. Would you be so blindly accepting if I threatened your life, liberty or property for no reason other than the color of your skin? Wouldn't you want conclusive evidence, quality controlled and beyond a reasonable doubt?
The data the parent is claiming to exist is discrimination based on age, which is indeed rather simple to confirm.
>however, if you want to start discriminating based on race, you have to be ready to bear a massive burden of proof when you make racist claims. Would you be so blindly accepting if I threatened your life, liberty or property for no reason other than the color of your skin? Wouldn't you want conclusive evidence, quality controlled and beyond a reasonable doubt?
>>Why are you so sure that such data exists if you have never seen it?
Because when you ring up an insurance company and ask why
(as a 20-year old) your insurance is higher than that of a 25 year old(with also zero driving experience) you will be told that it's because of your age. Unless they are lying to you of course, which is hard to prove or disprove.
>> however, if you want to start discriminating based on race
Well, you turned first. Here we are all talking about racism, and then you claim age inversely affects driver risk. In context, I thought you were somehow trying to convince me that circular reasoning and appeals to authority ought to dispel any doubts I have about the validity of racism, but it sounds like you were trying to say something else, and I could be doing a better job of understanding what you are trying to say.
>unless they are lying
They may just be ignorant. Maybe someone else lied to them and they are just parroting the lie. Remember, the people who price insurance exist in a world where polygraphs are admissible evidence in a U.S. court of law; misconceptions are everywhere and I think we must be cautious, lest our generalizations be hasty.
