Their rates are based off of a huge amount of gathered statistics and risk assessments of the population as a whole. Teenage males are far more likely to get into an accident that costs them serious money. They arrange it so they make the same amount of profit % from you as they do teenage females.
Also as you drive and accrue a record they will begin to develope an individual profile to determine your rates. Those will be based off of your individual choices.
Yes it is discriminatory, but based on Data, and they aren’t a governmental agency which means they aren’t held to add high a standard.
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