[Timco]

Originally Posted by cfos

I have no idea. I don't have the whole package like you; I just pay in full. I do know that my family's rate, over time, varies during renewals. Sometimes, I find the same or better coverage for less than the new rate, and I move. But, what if the driver starts at 16 and has no accidents for 4 years. Is this 20 y.o. less likely to have an accident? Is his rate less that a 23 y.o. married returned missionary that didn't drive for 2 years? I dunno. Oh, and I'm sure you are a better driver -- I mean, you drive standard and are more "in touch" with your car.

Pretty sure there's only one blanket drop in rate around 22-24 regardless of real hands on driving due to maturity. If there's tickets or accidents, forget that drop. Not much windshield time for missionaries. (I joined way after missionary age)

Not sure about the better driver comment. I've never claimed that and am quite sure your car will cross the finish line before mine. I've never owned an auto trans.