Though insurance companies guidelines may differ, it is very typical of an auto insurance provider to rate the highest rated driver (usually the youngest) with the highest rated vehicle (usually the newest). Most insurance companies base the rates on the driver who develops the highest premium, this normally being the youngest driver. This type of rating is used in many other countries, such as the UK. In the UK, motor policies are also rated on the age of the youngest driver. There most insurers base rates (the starting point for premiums) are set at 30 years old. Thus drivers under 30 attract surcharges and drivers over 30 attract discounts. In the United States it is a bit better since the rates begin to fall normally when a motorist is 25 years of age or older and has at least few years of driving experience. To find out what state auto insurance laws allow, try contacting the consumer division of your state's insurance regulatory body.
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