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Fourth Response: Young drivers versus older drivers. Statistics confirm the difference and is reflected on the insurance rates. I started driving at 13 with a valid Texas licence for which I took a written and driving test in a '31 Ford. The fee: half dollar. Although I have driven for 60 years, I am still not confident that I will not have an accident. Most young drivers, especially males on motorcycles, get a thrill of the noise and and the wind in their face "feeling." God help us!