Posted On: April 26, 2008, 8:52 am CDT

Posted By: wudchuck

if you truly look at the statistics of those who have crashes and compare to the occupation, age, and the many other factors, you will find that these actuarial numbers are correct. but remember that this is just one criteria that we look at in creating a rate for the right driver. remember that a major factor is their driving history. age and experience comes next. then all the other factors. it is amazing that folks think it's a piece of cake to solve on costs of premium and that my price should be the same across the board. each company has unique set of factors.