That's fair enough, but every individual will have their own experiences. My own personal experience was almost being killed by a 20 year old lad in an Astra back in 1999. So needless to say, my bias is the polar opposite of yours.
The insurance companies have access to nationwide statistics, and ultimately set your premiums based on a profile of your own record and that of your peers. I'm not in the habbit of defending them, but in this case I think they are justified in their discrimination.
I'm the same way but feel that they should allow a way for every driver to lower there insurance costs.
i've never done anything stupid in the 1 year and 4months i've had my license, but i'd say 80% of those at the collage that i went to would race up and dont the back roads at over 80mpg in a 20mph zone (all crash more than once already & lost their licence yet they drove in the next day in a brand new mx5?! - they should have to face the high prices but the more careful drivers should be able to have a lower insurance cost