What should determine your car insurance?

[ZsoLT]

I think old senile drivers a much more dangerous than young ppls who maybe don't have a lot of experience, but have good reflexes and clear thinking.

(No, I don't say all old drivers are senile stupid ppls, but most of it isn't suitable to drive a car. Every day I see a lot of old drivers who don't know where they are...)

And old driver doesn't mean experience. People with new license pay less for the insurance than a 20 year old driver who have 3 year driving experience.

And I think it's discriminating to say all young people are reckless driver...