Im 23 and I feel my rates are higher than they should be(wow, what a suprise huh?). I have shopped around, and they can't get much lower. However, when the time comes and I have left the age risk-zone, im dropping my current insurer and writing a letter why I am doing so. I don't appreciate the outragous premiums and Im taking my business elsewhere. "Yeah, you hosed me these last couple years, and now your competition gets my business for the rest of my life". I prefer to vote with my wallet, and that's what counts to them.