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Joined 7 months ago
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Cake day: February 14th, 2024

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  • So I’m not against using age, but binning it coarsely is the issue when it can be handled much more granularly.

    64-65 is probably a negligible amount of risk increase, but 64-69 is going to be much bigger. Looking at younger ages the effect is more extreme where they’re probably charging late 20’s drivers more because they’re pooled with low 20’s.

    Anyway, on average it probably works out the same, but in practice I never bin data where I can avoid it, since you get better information looking at it as a continuous range.