What should determine your car insurance?

[Turkey]

The 1st two paragraphs are pretty straight forward and I don't think anyone is bitching about premiums varying between places you live, what car you drive, if it's modified etc. These are all things people have control over, so if you end out in the same category as the boy racers and pay high premiums, it was down to your choices and you have nothing to complain about.

The last paragraph is something people might take issue with. It looks like you Leon, aren't too bothered about your insurance company assuming you're a moron because you admit yourself that you drove like an asshole. But think from the perspective of a young driver who just wants his car to get to work. It's a slow, boring car, he doesn't drive it much and he drives it responsibly. This person is still being ass raped by his insurance company and it's entirely based on prejudice.

Employers aren't allowed to discriminate. If a company decided not to employ any young people due to the stereotype that young people are lazy and grumpy, people wouldn't be cool with this. Why? Because not all young people are lazy and grumpy, some work hard. Same goes for young drivers - not all young drivers are reckless. This is why I think insurance should start much lower, but if you're caught doing something dangerous or you cause an accident then the insurance dildos and handcuffs should come out. The same as if you're lazy at your job - you loose it.