Well, you turned first. Here we are all talking about racism, and then you claim age inversely affects driver risk. In context, I thought you were somehow trying to convince me that circular reasoning and appeals to authority ought to dispel any doubts I have about the validity of racism, but it sounds like you were trying to say something else, and I could be doing a better job of understanding what you are trying to say.
>unless they are lying
They may just be ignorant. Maybe someone else lied to them and they are just parroting the lie. Remember, the people who price insurance exist in a world where polygraphs are admissible evidence in a U.S. court of law; misconceptions are everywhere and I think we must be cautious, lest our generalizations be hasty.
Because when you ring up an insurance company and ask why (as a 20-year old) your insurance is higher than that of a 25 year old(with also zero driving experience) you will be told that it's because of your age. Unless they are lying to you of course, which is hard to prove or disprove.
>> however, if you want to start discriminating based on race
Wait, what? That took a weird turn?