The insurance consumer has been undergoing a sophisticated shift because of a generational gap and rapidly advancing technology, according to a new report from Conning Research & Consulting, titled “Consumer Trends in Personal Lines Insurance,” which attempts to unravel those shifts.

As the middle class is grows older, along with it the median age, the youth segment is rising: “For auto insurers, these represent growing populations of drivers in what are the two worst age cohorts for claims activity”—the youngest and the oldest.

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