Why does the law allow insurance companies to base their premiums on the gender of the driver rather than their driving record? I am a 19 year old male with a perfect driving record (0 citations, 0 accidents with 3 & 1/2 years driving experience) and i pay more than double for full coverage insurance than my girlfriend (18 years old) who has had 2 accidents, one in which case her vehicle was totaled. I've heard that statistically insurance companies pay out more on males than they do females and thus base their premiums on this. I understand why they should be allowed to do this with unexperienced drivers, but i question they're right to do this after a person has proven themselves a safe driver (less risk). Is this sexual discrimination? Should they not base their premiums on good driving records for drivers under 21? Any help is much appreciated, thanks.
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