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What about a 40 yo that went to tech school ? ;)

Seriously, has anybody considered the types of vehicles driven by members of different groups? I'm sure a Lexus SUV is far safer than a bitchin' Camaro.

All that is taken into consideration. The age groups, male, female, type of car, etc. It's mapped down to a science. Actuaries can predict if you are W years old, X educated, drive Y car, the statistical chance you'd get a dui is Z. I'm sure someone with a Lexus SUV is going to take care of his car less than someone with a bitchin' HOT camaro. The camero guy, probably has more to lose if his car is HOT and gets in an accident, because of the blood, sweat and tears factor. He's put his life into it, where the lexus guy walked to a dealer, got his car and drove away. If he gets into an accident, oh well, insurance will take care of it. The 'dude' with the rusty '67 camaro probably doesn't give two beans. All these variables are taken into consideration. Not one size fits all. But, there are models to start with, which rates are established. It's interesting work, if you're into analysis.

PE, follow my thoughts up the thread, I'm sure you can add insight.