<prompt> Human: Ever since Ive been driving Ive heard that when you turn 25 your car insurance magically drops. I have a few questions about this.Is this always true? You turned 25, youre considered a lower risk so your rate dropsOr is it just usually true?You turned 25 but you got 2 speeding tickets this year so no rate dropIf it is true since me and my wife are both 24, both legal owners of our car and on the insurance, would we receive two discounts as she turns 25 in September and I turn 25 next February?Is the drop significant at all? Or does that also depend on history? Were paying 200 a month for insurance right now and neither of us has gotten a ticket since buying the car and getting the insurance.Thanks  <response>: This is no longer particularly true. Being accident-free, ticket-free, time-with-license, and time-of-continuous-coverage will all matter substantially more than simply turning 25. Somebody whos 24 and had his license for 8 years and no tickets or accidents will have lower insurance rates than his buddy whos 25 and had his license for 4 years with no tickets or accidents. 