Car Insurance Prices...

i know this has been posted a million times before and i'm not worired anymore cause my ins went down a bunch but what the hell is with that crap.. let's charge the kids with no money.. more.. and the adults with all the money.. little.. lol i understand why they do what they do .. but i never been in an accident why the hell do i pay more than my ex-gf who hit a parked car.. lol doing 35 i mgiht add.. (she was ok )
anyway they should impose some kind of flat rate ins. like 100 a month for everyone.. so they make money off adults but lose money on kids.. so everyone has a fair amount to pay.. just an idea..