@Anonymous Coward 13:07
im sorry but your talking rubbish, but i do see your point :)
Being a different colour makes absolutely no difference to your driving
Being young does, inexperience
Being a male we are less likely to drive safely as we are more likely to take chances
Being a young male you are more likely to be inexperienced and take more risks,
what does that equal? more likely to crash your car, this is proven with statistics, no messing about, young males are involved in more accidents than any other group
What does all that mean? well it means that if your a safe young male driver your shit out of luck, get over it, drive safe and you will pay less over time, everyone else gets a relatively fair deal.
Now before you ask, i am a relitively young driver, ive gone through the high payments, and now i pay about the average, ive proven im a safe driver. Is it fair to young men, nope, course its not, but thats not the point, the point is, insurance companies have to pay out to fix things, if the cost to fix things is high then the insurance payments go up, which is why young men pay more, they have taken the less of two evils before now because its even more unfair that the majority of people should pay more then is needed.
Now what does it all mean, it means everyone who already drives safe will end up paying more for an accidient they are unlikely to ever have.
Nice one, the needs of the few out weight the needs of the many, story of this countrys life recently.