I'm not sure I agree. I can almost guarantee that if you give a common task to a driver who's driven five years and 30 years - there's virtually no difference.

I'm not sure I agree. I can almost guarantee that if you give a common task to a driver who's driven five years and 30 years - there's virtually no difference. Lower premiums might just be because they've been in less accidents for that long, so they've sustained consistent level of safe driving and it doesn't translate to the idea that they necessarily are more skilled drivers. Doing a task consistently is what insurance companies are rewarding, but that doesn't necessarily mean that they're more skilled at it, they've just been at it longer.