Mr. Ciaran Phelan:

The price is based on statistics. If someone has more accidents, they will pay a higher price. Statistically, younger male drivers have more accidents. What I am referencing is more the fact that the fatalities and injuries might not be as great in a more modern car than in an older car. Ultimately, it was purely just to reference the fact that these young people might not have the experience to drive as well as more experienced drivers and are driving cars that might not be as safe as others.