The risk factor
I can remember when I was a teenager, how expensive auto insurance was for me. My parents made me get a part time job just to pay for them adding me to their auto insurance policy! I didn’t even want my driver’s license; my parents made me get it so I could drive my mother to work and pick her up again when my father was overseas. I thought it was profoundly unfair to have to pay for my own premium under those circumstances! And I thought that the rates were outrageous for young drivers! I understand the thought process behind it – young kids are more likely to take risks, but I think that the really old people are worse drivers and their premiums should be higher as well!
I’m glad that there are stricter guidelines now for the teenagers that drive, and I’m glad that so many of the states have seat belt laws. As much as I don’t like seat belts myself, I agree that they can reduce injuries and save lives. And I think all cars should be equipped with the breath analyzer that you have to blow into so the car won’t start if it senses alcohol on the driver’s breath! I think that should just be standard equipment! And for every twenty minutes driven, a new breath analyis takes place. That would save a lot of lives, too!