How come old people are charged cheap insurance?

I cant believe the insurance quotes i am getting for being a new driver, but all of these old people who are absolutely loaded pay hardly anything when it seems to be them who crash the most as when I was learning to drive some old woman wrote my car off because of her own stupid fault. I see old people always on the side of the road with a smashed up car from going into a lamp post or central reservation. They should at least be charged the same amount as a 17 year old. Do you guys agree