27 Aug 2006 10:37 PM

Why do you have to be 25 to get an auto insurance discount?

Have you ever heard that you have to be 25 to start receiving an auto insurance discount. Why should a 25 year old pay less than a 22 or 23 year old driver. I do agree experience does play a role in overall safety and can help prevent accidents in some cases, however I think everyone should have a fair car insurance rate no matter what age they are. Start off fresh where young adults can afford insurance at the same rates as their elders do. If they have an auto accident or get a ticket then the rates should go up from that point forward. But for insurance companies to set high rates for young adults should be stopped. If younger drivers can afford cheap auto insurance we may have less uninsured motorist on the roadways and provide incentives for our young drivers to take safety classes and follow the laws. It has been a proven fact that younger drivers do cause accidents and get speeding tickets and this is the risk insurance companies are up against. However if we trust our driving system set by the individual states that set the laws when drivers can get behind the wheel and what courses and test each must pass we should be confident that young drivers can be safe and trustworthy and should have fair affordable auto insurance rates just like everyone else does.

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