Why 5X the insurance??????
Just throwing a # out there with no basis in research or stats. OK, some basis as gear will reduce the cost of an accident a large amount in MOST cases.
I just think that the freedom to do what you want should come with the cost associated with that freedom.
Smokers tend to pay more for health care etc.
19 year lod males pay way more for insurance than I do....
Why, cuz they tend to crash into stuff on a much more regular basis.
I can explain it to you, but, I can't understand it for you.