alt Hacker News> Biggest factor is age, and even then, difference between 20yo and 35yo driver is 38%.
That's because age is both observable and strongly predictive of risk.
> Biggest factor is age, and even then, difference between 20yo and 35yo driver is 38%.
That's because age is both observable and strongly predictive of risk.
Try and extend this logic to other highly correlative, immutable individual factors.