DISCOUNT DRIVERS: Believe it or not, auto...

DISCOUNT DRIVERS: Believe it or not, auto insurance rates do fall for Orange County drivers in their 20s. That’s when insurance companies figure chances of being in traffic court or in an accident fall by half. . . . State insurance officials say a late-20s male driver who has a clean record can see his liability premiums fall, sometimes by half, compared to when he was 18. California Casualty has the greatest decline, from $2,271 to $624 annually for basic liability, according to a state study. Says an insurance industry spokeswoman: “There’s no magic. It’s all just maturity.”