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Its much easier to change your email than your gender or zip code. Charging different amounts based on a car model makes sense though, some cars are much safer than others.

Yes, the people that STILL haven't bothered to change from Hotmail even though it's quite easy are more likely to not be good drivers. I don't think the difficulty of changing the factor should matter, in fact I'd say the easier they are to change the more impact they likely have as it may show laziness (higher risk). Having these factors be openly noted however would be important.

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