When I bought my first car at 20 years of age, I was told my insurance would be cheaper when I was 21. When I reached 21, I was told it would be cheaper at age 22. At age 26 I am now paying as much as I paid at 20 years of age. My insurance still has not come down to a level which would be reasonably affordable. It is not the case that when one reaches a certain age, it levels off and one pays in line with much older persons. The insurance companies are disingenuous, to say the least, when they give commitments to young persons about their next birthday, or two or three years hence, in terms of cheaper insurance. That is not happening.