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Car Insurers Eye Driving Skills To Set Prices

NPR -- To the average consumer, car insurance can seem pretty arbitrary. What you get charged often depends more on where you drive than how you drive.

John Egan of InsuranceQuotes.com says it's very often about location, location, location. Two people, he says, can live in two different zip codes in the same city "and pay a substantially different amount of money, depending on exactly where [they] live in your community."

How much a driver pays also varies widely from state to state. State laws about personal injury and liability go into the mix, along with a whole host of other factors.

Massachusetts drivers pay the lowest premiums, Egan says, while Michigan drivers pay the most.

"In the Detroit area in particular, there are a lot of uninsured drivers," Egan says. "And when you've got more


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Submitted Aug 07, 2012 By: skb69sa
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Author Topic: Car Insurers Eye Driving Skills To Set Prices Back to Topics
REPLIES (newest first) Post a Reply
honda0105
Champion Author Tallahassee

Posts:24,041
Points:2,387,215
Joined:Nov 2008
Message Posted: Aug 10, 2012 5:37:03 AM

that's why lots of car insurance providers give either discount or forgiveness for accident free driving over many years.

What I don't think is a good idea is Progressive's new surveillance of a driver (though right now voluntary I understand) to get a lower rate. It's a gimmick to get more people to switch to them and pays off for them b/c they can collect lots of data on the driver and then refuse a claim in case of accident.
LetemEatCake
Champion Author Oklahoma City

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Points:1,360,915
Joined:Mar 2008
Message Posted: Aug 8, 2012 11:21:31 PM


A great deal of your premium depends on 2 things. Wher3 you live and your age.

After 20 years of no tickets, no accidents....the moment iTURNED 65
leeac
Champion Author Ohio

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Message Posted: Aug 7, 2012 9:24:39 PM

Skilled drivers have fewer accidents.
PCWHIZ
Champion Author Denver

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Message Posted: Aug 7, 2012 2:13:39 PM

Sounds like big brother run amuck.
hok
Champion Author Los Angeles

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Message Posted: Aug 7, 2012 12:21:17 PM


How to determine driving skill?
schatzila
Champion Author Los Angeles

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Message Posted: Aug 7, 2012 11:03:16 AM

I love this!
blupupher
Champion Author Houston

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Message Posted: Aug 7, 2012 10:35:55 AM

no thank you, I don't want or need a nanny device on my vehicle.
crep1291
Champion Author Ottawa

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Message Posted: Aug 7, 2012 9:56:40 AM

Excellent. I'm waiting impatiently for this to become mandatory.
jl1rp
Champion Author New Hampshire

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Message Posted: Aug 7, 2012 9:25:18 AM

ok
boldrph
Champion Author Topeka

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Message Posted: Aug 7, 2012 9:04:59 AM

confiscate the car of the uninsured driver
AlienBug
All-Star Author Connecticut

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Joined:Jul 2011
Message Posted: Aug 7, 2012 8:57:41 AM

Weird math fact: 95% of Americans consider themselves to be above average drivers.
unipanini
All-Star Author New York

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Message Posted: Aug 7, 2012 8:54:48 AM

Is there an actuary in here?
gravityhurts
Champion Author North Carolina

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Message Posted: Aug 7, 2012 8:48:02 AM

it's all about statistics that will make insurance companies more profits, how about we work to get the UNinsured off the roads so we don't get charged for them
mabrams184
Champion Author Lexington

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Message Posted: Aug 7, 2012 8:22:35 AM

People driving without insurance cause all of us to pay more, but insurance companies are going to do whatever is going to make more profit for them.
EVBuddy
Champion Author Nevada

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Message Posted: Aug 7, 2012 8:22:18 AM

ok
fuel2use
Champion Author Seattle

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Message Posted: Aug 7, 2012 8:17:28 AM

They look at many different ways.
wamster
Champion Author Houston

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Message Posted: Aug 7, 2012 7:58:52 AM

You shouldn't be able to register your vehicle and have it inspected without proof of insurance. When getting a drivers license; a check should be conducted if you own a vehicle. If the tags aren't current; they shouldn't renew your drivers license.
muquee
Champion Author Harrisburg

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Message Posted: Aug 7, 2012 7:57:21 AM

Good track record means squat.
cricket48750
Champion Author Michigan

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Message Posted: Aug 7, 2012 7:55:41 AM

Insurance is terrible
bicycle1966
All-Star Author Akron

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Message Posted: Aug 7, 2012 7:36:59 AM

while wierbe states that you only need to "state you have insurance" in Ohio to get a veh. license -- that's not quite the whole story. If your car has a lienholder (typically the bank you get your loan from) then they will actually require proof. If you ever get pulled over in Ohio, the police routinely ask for 3 things -- license, registration, and proof of insurance.
treehood
Champion Author San Diego

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Message Posted: Aug 7, 2012 7:23:08 AM

Just as I thought, according to insure.com :

Below are the U.S. states and the District of Columbia as ranked by the average annual premium that a representative driver would pay based on rates for 40-year-old single male driver who commutes 12 miles to work

1. Michigan, $2,541
2. Louisiana, $2,453
3. Oklahoma, $2,197
4. Montana, $2,190
5. Washington, D.C., $2,146
6. California, $1,991
7. Mississippi, $1,896
8. New Mexico, $1,896
9. Arkansas, $1,836
10. Maryland, $1,807
11. North Dakota, $1,794
12. Connecticut, $1,786
13. Rhode Island, $1,747
14. Wyoming, $1,714
15. Hawaii, $1,707
16. South Dakota, $1,707
17. Georgia, $1,670
18. New Jersey, $1,663
19. West Virginia, $1,633
20. Kentucky, $1,629
21. New York, $1,627
22. Minnesota, $1,614
23. Washington, $1,584
24. Missouri, $1,563
25. Indiana, $1,518
26. Colorado, $1,508
27. Texas, $1,492
28. Delaware, $1,489
29. Florida, $1,476
30. Nebraska, $1,470
31. Pennsylvania, $1,468
32. Kansas, $1,461
33. Alaska, $1,454
34. New Hampshire, $1,334
35. Massachusetts, $1,328
36. Idaho, $1,325
37. Alabama, $1,306
38. Oregon, $1,306
39. Nevada, $1,300
40. Illinois, $1,290
41. Arizona, $1,280
42. Utah, $1,272
43. Virginia, $1,237
44. Iowa, $1,179
45. North Carolina, $1,154
46. Ohio, $1,152
47. Tennessee, $1,146
48. Wisconsin, $1,128
49. Maine, $1,126
50. South Carolina, $1,095
51. Vermont, $995
treehood
Champion Author San Diego

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Message Posted: Aug 7, 2012 7:14:35 AM

Where do they come up with Ma. drivers pay the lowest premiums? That cannot be true.
tomok
Champion Author Portland

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Message Posted: Aug 7, 2012 7:12:21 AM

Car insurance should be based on the persons driving ability and skills and No accidents. Having a black box and gps device installed to monitor your driving and save you money is up to you.
Whatever the size or shape of the vehicle, Produce and ‘Drive’ vehicles with high MPG, are very safe, reliable, have a ‘reasonable’ cost and a good ‘value’ for the money. Consider using other forms of less expensive transportation to lower your cost.
The price of fuel at the pump is too high!
12/22/2012
plbell627
Champion Author Dayton

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Message Posted: Aug 7, 2012 7:03:31 AM


I agree with bot mnbeancounter & wierbe
Wierbe
Champion Author Cincinnati

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Message Posted: Aug 7, 2012 7:01:17 AM

If we can force health care insurance on everyone, why not auto insurance? In Ohio you only have to state that you have insurance in order to get a vehicle license - no proof or verification required. I wonder if folks sometimes skip the truth on this one? Personally, I would be happy to show my insurance card.
mnbeancounter
Champion Author Minnesota

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Message Posted: Aug 7, 2012 6:58:05 AM

No insurance-no license tab renewal on the car. Then require the insurance co to notify the state if insurance is cancelled. If insurance is cancelled and no new proof of insurance have the police pull the plates
taxiken
Champion Author Twin Cities

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Message Posted: Aug 7, 2012 6:55:45 AM

3,000,000 accident free doesn't count for squat.
UncaLar
Champion Author Indiana

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Message Posted: Aug 7, 2012 6:53:21 AM

There are more consumers than business and insurance owners. Can't we work together and come up with a way to stick it to them for once?
maxcap59
Champion Author Texas

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Points:781,680
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Message Posted: Aug 7, 2012 6:52:51 AM

My insurance rates dropped dramatically when I moved from MI to TX in 04. It was a well known fact in MI that people outside the Detroit area (I was in Kalamazoo) were paying higher premiums because of Detroit area drivers, insured or uninsured. There have been people in the government trying to change that since the 70's, but the insurance company lobbyists are too rich.
netman044
Champion Author Texas

Posts:7,009
Points:1,860,100
Joined:Sep 2005
Message Posted: Aug 7, 2012 6:52:37 AM

Short duration policies contribute to uninsured drivers. They buy a policy for 1-2 months, get their drivers license, inspection sticker, and registration renewed then cancel the policy. Texas regulations allow the insurance companies to charge insured motorists a fee for uninsured motorist coverage.
nwhawk
Champion Author Kansas

Posts:4,869
Points:1,302,150
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Message Posted: Aug 7, 2012 6:51:18 AM

Between jumping gas prices and high insurance premiums it is making it difficult for those on SS to drive. Seeing more golf carts in town then ever.
Topless2012
Champion Author Twin Cities

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Message Posted: Aug 7, 2012 6:49:40 AM

it is called your driving record.
BartBuzz
Champion Author Atlanta

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Message Posted: Aug 7, 2012 6:48:56 AM

The auto insurers sucker you in with a lower price....and your premium goes up the very next billing period.
red5529
Champion Author Alabama

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Message Posted: Aug 7, 2012 6:48:49 AM

Ok
W4YAH
Champion Author Florida

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Message Posted: Aug 7, 2012 6:48:46 AM

Save on insurance to pay for higher gas prices...good idea!
slayur
Champion Author Chicago

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Joined:Sep 2005
Message Posted: Aug 7, 2012 6:48:31 AM

ok
rtw777
Champion Author Florida

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Message Posted: Aug 7, 2012 6:47:48 AM

New Jersey always had the highest car insurance cost. Too bad for MI.
mk9999
Champion Author Rochester

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Message Posted: Aug 7, 2012 6:47:44 AM

More price gouging.
Jmac2008
Champion Author Missouri

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Message Posted: Aug 7, 2012 6:47:43 AM

it make sense to set the rates on peoples driving records, not the area they live in.
lindact
Champion Author New Haven

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Message Posted: Aug 7, 2012 6:46:51 AM

CT requires insurance proof to register a vehicle.
arinkrat17
Champion Author Twin Cities

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Message Posted: Aug 7, 2012 6:46:36 AM

ok
metrojeep
Champion Author Fort Worth

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Message Posted: Aug 7, 2012 6:46:05 AM

Common sense
thuathienhue
Champion Author Michigan

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Message Posted: Aug 7, 2012 6:44:41 AM

Of course we pay more in car insurance and most everything else. Remember to vote for change and it might help. We can start today at the poles.
SnickersDog
Champion Author Denver

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Message Posted: Aug 7, 2012 6:44:12 AM

Duh. What you think the tattle tale devices you plug in are doing?
GatorDone
Champion Author Savannah

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Message Posted: Aug 7, 2012 6:43:54 AM

k
redbeard47229
Champion Author Indiana

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Message Posted: Aug 7, 2012 6:43:12 AM

Detroit: more uninsured=higher prices=more uninsured=higher prices. What a concept
Canucktree
Champion Author Alberta

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Message Posted: Aug 7, 2012 6:43:07 AM

Great idea!
JCUBE
Champion Author Michigan

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Message Posted: Aug 7, 2012 6:42:40 AM

not gas price related
BJ1947
Champion Author Oklahoma

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Message Posted: Aug 7, 2012 6:42:31 AM

So
bozo
Champion Author Boston

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Message Posted: Aug 7, 2012 6:42:09 AM

interesting item.
Ready Eddie
Champion Author Twin Cities

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Message Posted: Aug 7, 2012 6:41:57 AM

part of it
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