What should determine your car insurance?

[Malibu]

(2012-02-21 17:30)Ganjaman Wrote:  here in the netherlands it's based a bit on age and more on years of accidentfree driving. which i think is a good thing actually, seeing that an "older" person who just got his license has virtual no experience in a car but does has the common sense which a "younger" person doesn't have according to the insurance companys.

Yeah I like the fact that they take the amount of accident free years into account. But to be honest, it would be more fair if they looked at the amount of years the person has a drivers license in possession instead of his or her age.