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Insurance companies typically charge higher rates for drivers under 25 based on statistical data showing a significantly higher risk of accidents and insurance claims for this age group.
Studies have shown that the highest driving accidents rates are among drivers aged less than 20 and those greater than 65. [29] However, drivers above the age of 85 are 3 times more likely to be in a fatal crash compared to those aged less than 20, and 20 times more likely than drivers aged less than 60. [30]
Senior drivers often enjoy lower insurance rates than younger drivers until around age 70. After that, Afilalo says, “rates can tick up for drivers in their 70s and 80s due to a slight increase ...
A change to any of this information might result in a different premium being charged if the change resulted in a different actuarial class or risk level for that variable. For instance, a change in the drivers' age from 38 to 39 may not result in a different actuarial class because 38- and 39-year-old people may be in the same actuarial class.
Middle-income countries have the highest rate with 20 deaths per 100,000 inhabitants, accounting for 80% of all road fatalities with 52% of all vehicles. While the death rate in Africa is the highest (24.1 per 100,000 inhabitants), the lowest rate is to be found in Europe (10.3 per 100,000 inhabitants). [6]
A lot of people stayed home during the height of the pandemic, but the number of deaths on the roads rose by 10.5% in 2021, reaching their highest level since 2005. The NHTSA said it was the ...
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