Why does a driver’s insurance rate drop at the age of twenty-five?

Recently, I was driving around in Irving, Texas listening to the Red Hot Chili Peppers’ CD called Blood Sugar Sex Magik. When that album was released, I was 22 years old. Back then my driving sucked!! My insurance rates were high because of my gender and particularly because of my age. I drove my car like I drove through life, reckless. I would rush into a bad relationship like I was going through an intersection with a red light! Back then I hung out with a group of friends, like my age, that were into Native American Spirituality and we hung around the Dallas-Irving area and no, we didn’t play Dungeons and Dragons. We lived for the moment in our self deceived eternal youth. Like bohemians on the Ship of Fools we floated down the river of Nirvana. According to the insurance companies, we were in a high-risk age category for drivers more likely to cause an accident. Young drivers are inexperienced and they take more chances behind the wheel.

Yes, the good ‘ol days of grunge rock, the internet was new, we still had cassette players in our cars and I drove like a driver’s ed. school flunky. Now I believe or at least I hope my driving is much better, just don’t ask my girlfriend. I always use my turn signals even when I cut someone off. I make an effort to tell myself not to have road rage before I start my car. I don’t speed up to keep someone from moving over, most of the time. Even when there’s a homeless person standing on the side of a freeway off-ramp, I always make eye contact to tell them “no”, instead of acting like I have to concentrate to change the radio station.

Now to answer the question, “why does a driver’s insurance rate drop at the age of 25? In your brain, the cerebral cortex (frontal lobe) located behind the forehead, deals with complex decision making. This part of your brain does not fully develop until the age of twenty-five. For most men, it does NOT develop until 50, am I right, ladies?? That’s why your 30 year old husband acts like he’s still in the 7th grade!

OK, back to the Red Hot Chili Peppers and driving in Irving, I had a spiritual awaking without the use of some organic substance. Unlike my Mantra of the past, “Live for today, F@%K tomorrow” my old school of philosophy has changed to “Slow down, you’re driving too fast!”, “Take it easy” and “Turn down that music, it’s too loud!” As I’m getting older, I’m gaining more experience and with that, come the wisdom. Just like a classic or antique automobile, you increase in value and prestige and along the way you pick up little pieces of dignity and unbridled pride.

Keep sending in your comments and e-mails. Join me again next week and until then…

Take care and be safe-
Danny Keaton