[echubb]

That would be fine if insurance companies had the administrative manpower to tailor policies to each individual customer, but they deal in generalities so they rely on a risk profile derived from people similar to you. Also, your function is not applicable to a first time driver who has no previous experience or incident count.

[vgurgov]

"deal in generalities" should not be function of my gender(which is 1)initially not under my control 2) even unclear how to define in some "complex" cases? ).

my funtion is perfectly applicable for firsttimers. in this case some of the args are zero So first time male/female drivers in same region, age, cars, other characteristics should have similar costs for their first ins_period.

Again I dont see any troubles with this initiative, to me it makes perfect sense.