[five pt oh]

seems like having higher deductibles for people in their first 2yrs of ownership would help. If you gave them a $10k deductible on at-fault accidents in the first year, and then maybe a $5k deductible in year two, then you'd probably solve most of your issues.

It wouldn't have to apply to theft and not-at-fault accidents, but it would cut your cost on the "problem drivers" without having to pass all the costs on to your responsible clients (by raising rates across the board).

just my $0.02