What should determine your car insurance?

[SO•Audiojack]

Here car insurance is determined by place of residence (municipality), car make, model and year of introduction and to some extent, the age of the owner (Only costs more if you're under 22 or something like that).

"Discriminating" against age is perfectly normal IMO, young people who just had their license really don't have and in fact CAN'T have as much experience on the road as older drivers.. .