That's the way the world works, Jeff. You might just have to get used to it.
Insurance companies are in the business of making money. Their research tells them that young drivers as a group, particularly young males are more likely to be involved in accidents than the general population. Look at the info below from the RTA site.
I know you hate the feeling that as a safe driver you are having to pay too much for your insurance, but don't you think that 30 -50 year old driver as a group would object to paying the same premium as an 18 year old who on average is 4 times as likely to have an accident?
It may seem tough, but it is just as tough on any safe driver regardless of their age that their first premium is the same as an idiot of the same age. (Of course their no-claim bonus will make things a bit fairer after that.)
It's just as unfair that every sports car driver pays a higher premium no matter how safe and cautious they are on the roads simply because they are driving that sort of car.
There are always people who are different from the norm for their group. Just as there are some very safe drivers of sports cars and there are some Volvo drivers who are an accident waiting to happen, there are young driver who are safe and experienced drivers whose years of experience seem to have taught them nothing.
Actually statistics are collected on people grouped in quite a range of ways: by gender, by type of vehicle, by time of day or night, even by suburb.
No point in getting annoyed. or infuriated.
The fact is that as a group young males are more likely to be involved in an accident that other people.
You can be proud of the fact that you are different from the norm for your group but that is about as much as you can do.
RTA stats:
A 17 year old driver with a P1 licence is four times more likely to be involved in a fatal crash than a driver over 26 years. Driving at night (after 10pm) and carrying passengers also increases the crash risk significantly.
The biggest killer of young drivers is speeding and around 80 percent of young speed fatalities are male.
Young drivers are over-represented in all fatal crashes, including drink driving and fatigue. Despite making up only 15 percent of drivers, young drivers represent around 36 percent of annual road fatalities.

