[tim333]

As someone getting on towards 65 I have to point out that insurance rates are less for the 65-70s than for any group younger that 55, and claim rates are lower than for any of the under 65s. My relatives didn't really start crashing into stuff till they got to about 90. And then it was kind of slow motion. (for this data https://www.abi.org.uk/products-and-issues/choosing-the-righ...)

[potato3732842]

Is that because you're better or because you're less exposed?

Not a lot of 65yo people working 80hr weeks, slogging out 50-100mi commutes or plowing into moose while blinded by the 6am sun on their way back from 3rd shift.

[toast0]

Insurance rates have a mileage component that should address that, although the smallest mileage category may be too large to really capture that. But if you're doing a 100 mile commute 5 days a week, that's likely beyond the lowest category.

[seanmcdirmid]

There is talk of per-mile insurance becoming a thing, maybe when per-mile registration taxes finally are? This would benefit a lot of us that come way under the lowest band.

[kaikai]

Per-mile insurance has existed for a while, from companies like metromile.

[seanmcdirmid]

Yes, I’ve seen a few but so far never cheaper than per mile insurance, at least where I live. I’ll talk to my agent next year to see if my current home owner insurance company has one that works that way. My current policy uses my phone to track and reward driving habits, but it tracks my bus rides as car rides as well, which sucks. Can’t they come up with an Apple car app or something?

[dwighttk]

I’m so tempted to use a car insurance app, but in the end I don’t want to run a tracker

[watwut]

They are more careful. They drive more slowly. They are more afraid. They are safer drives considering outcomes. The problem here is that people say "better driver" can be evaluated in various ways, safety only one of them. Many people think, for example, that if you get there faster, you are better driver. Or if you can show quick thinking by sudden movements.

> Not a lot of 65yo people working 80hr weeks, slogging out 50-100mi commutes or plowing into moose while blinded by the 6am sun on their way back from 3rd shift.

People who drive in that state are one of two things: irresponsible or poor with no other choice.

Driving regularly while tired and sleep deprived is a big factor in accidents ... and that many people are somehow seeing it as heroship rather then being irresponsible is a cultural issue.

[tim333]

Personally I'd say a mix of factors. Experience, a bit more cautious / laid back as in driving slower / leaving more distance, and probably less miles overall.