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That's actually one thing I like about the European auto insurance policies - it prevents unskilled drivers from driving powerful cars. I wish something like this would be instituted in the US, imagine how many 18 y.o. Mustang driving maniacs it would take off the streets! If some 18 y.o. would still want to drive that Mustang he'd be stuck paying 5x the car payment to do that and probably would be more aware of the kind of consequences his behavior might carry.
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