[M_Six]

I'm not sure if it still works this way, but back in the 80's when I was in Germany the German system had new drivers paying a king's ransom for insurance and as you drove more and more years accident free, your rates dwindled away to practically nothing. That's the way it should be. New and/or bad drivers pay more, good drivers pay less. It's sort of that way in some states with surcharges, but those don't really benefit the good drivers. They just penalize the bad ones.