Not Logged In Log In   Sign Up   Points Leaders
Follow Us    10:52 AM

GasBuddy News Article

29
votes
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


Read the Full Article

Submitted Aug 07, 2012 By: skb69sa
Category: Daily News Article Discussions > Topics Add to favorite topics  
Author Topic: Car Insurers Eye Driving Skills To Set Prices Back to Topics
REPLIES (newest first) Post a Reply
Profile Pic
honda0105
Champion Author Tallahassee

Posts:22,713
Points:2,184,815
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.
Profile Pic
LetemEatCake
Champion Author Oklahoma City

Posts:5,705
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
Profile Pic
leeac
Champion Author Ohio

Posts:4,093
Points:1,008,265
Joined:Jan 2012
Message Posted: Aug 7, 2012 9:24:39 PM

Skilled drivers have fewer accidents.
Profile Pic
PCWHIZ
Champion Author Denver

Posts:1,113
Points:911,300
Joined:May 2004
Message Posted: Aug 7, 2012 2:13:39 PM

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

Posts:2,570
Points:1,522,800
Joined:May 2008
Message Posted: Aug 7, 2012 12:21:17 PM


How to determine driving skill?
Profile Pic
schatzila
Champion Author Los Angeles

Posts:5,986
Points:1,226,545
Joined:Jun 2010
Message Posted: Aug 7, 2012 11:03:16 AM

I love this!
Profile Pic
blupupher
Champion Author Houston

Posts:6,007
Points:1,309,860
Joined:Feb 2011
Message Posted: Aug 7, 2012 10:35:55 AM

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

Posts:3,143
Points:546,905
Joined:Dec 2010
Message Posted: Aug 7, 2012 9:56:40 AM

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

Posts:4,535
Points:929,255
Joined:May 2012
Message Posted: Aug 7, 2012 9:25:18 AM

ok
Profile Pic
boldrph
Champion Author Topeka

Posts:21,237
Points:4,021,545
Joined:Oct 2002
Message Posted: Aug 7, 2012 9:04:59 AM

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

Posts:732
Points:218,035
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.
Profile Pic
unipanini
All-Star Author New York

Posts:903
Points:267,425
Joined:Mar 2012
Message Posted: Aug 7, 2012 8:54:48 AM

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

Posts:5,617
Points:1,456,135
Joined:Sep 2008
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
Profile Pic
mabrams184
Champion Author Lexington

Posts:3,830
Points:1,075,015
Joined:Aug 2011
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.
Profile Pic
EVBuddy
Champion Author Nevada

Posts:19,140
Points:3,594,060
Joined:Sep 2004
Message Posted: Aug 7, 2012 8:22:18 AM

ok
Profile Pic
fuel2use
Champion Author Seattle

Posts:5,557
Points:1,224,850
Joined:Dec 2010
Message Posted: Aug 7, 2012 8:17:28 AM

They look at many different ways.
Profile Pic
wamster
Champion Author Houston

Posts:6,915
Points:1,131,845
Joined:May 2007
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.
Profile Pic
muquee
Champion Author Harrisburg

Posts:4,044
Points:1,025,440
Joined:Nov 2011
Message Posted: Aug 7, 2012 7:57:21 AM

Good track record means squat.
Profile Pic
cricket48750
Champion Author Michigan

Posts:1,073
Points:587,480
Joined:May 2011
Message Posted: Aug 7, 2012 7:55:41 AM

Insurance is terrible
Profile Pic
bicycle1966
All-Star Author Akron

Posts:606
Points:419,935
Joined:Jul 2011
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.
Profile Pic
treehood
Champion Author San Diego

Posts:4,557
Points:969,710
Joined:May 2011
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
Profile Pic
treehood
Champion Author San Diego

Posts:4,557
Points:969,710
Joined:May 2011
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.
Profile Pic
tomok
Champion Author Portland

Posts:43,265
Points:2,920,460
Joined:Aug 2006
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
Profile Pic
plbell627
Champion Author Dayton

Posts:7,411
Points:1,753,000
Joined:Mar 2007
Message Posted: Aug 7, 2012 7:03:31 AM


I agree with bot mnbeancounter & wierbe
Profile Pic
Wierbe
Champion Author Cincinnati

Posts:6,171
Points:1,684,170
Joined:Apr 2006
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.
Profile Pic
mnbeancounter
Champion Author Minnesota

Posts:7,264
Points:1,604,790
Joined:Oct 2009
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
Profile Pic
taxiken
Champion Author Twin Cities

Posts:8,425
Points:2,120,475
Joined:Feb 2003
Message Posted: Aug 7, 2012 6:55:45 AM

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

Posts:2,031
Points:430,900
Joined:Apr 2005
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?
Profile Pic
maxcap59
Champion Author Texas

Posts:3,700
Points:780,780
Joined:Apr 2011
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.
Profile Pic
netman044
Champion Author Texas

Posts:7,009
Points:1,700,600
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.
Profile Pic
nwhawk
Champion Author Kansas

Posts:4,290
Points:1,121,420
Joined:Nov 2010
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.
Profile Pic
Topless2012
Champion Author Twin Cities

Posts:4,962
Points:1,051,990
Joined:Jan 2012
Message Posted: Aug 7, 2012 6:49:40 AM

it is called your driving record.
Profile Pic
BartBuzz
Champion Author Atlanta

Posts:11,369
Points:2,350,670
Joined:Aug 2006
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.
Profile Pic
red5529
Champion Author Alabama

Posts:6,544
Points:2,024,060
Joined:Mar 2008
Message Posted: Aug 7, 2012 6:48:49 AM

Ok
Profile Pic
W4YAH
Champion Author Florida

Posts:2,411
Points:531,190
Joined:Feb 2012
Message Posted: Aug 7, 2012 6:48:46 AM

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

Posts:1,540
Points:1,663,260
Joined:Sep 2005
Message Posted: Aug 7, 2012 6:48:31 AM

ok
Profile Pic
rtw777
Champion Author Florida

Posts:11,870
Points:2,416,720
Joined:Jan 2008
Message Posted: Aug 7, 2012 6:47:48 AM

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

Posts:10,390
Points:2,248,570
Joined:Aug 2008
Message Posted: Aug 7, 2012 6:47:44 AM

More price gouging.
Profile Pic
Jmac2008
Champion Author Missouri

Posts:4,391
Points:1,399,770
Joined:Dec 2008
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.
Profile Pic
lindact
Champion Author New Haven

Posts:11,079
Points:2,258,495
Joined:May 2008
Message Posted: Aug 7, 2012 6:46:51 AM

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

Posts:8,671
Points:1,901,585
Joined:Aug 2009
Message Posted: Aug 7, 2012 6:46:36 AM

ok
Profile Pic
metrojeep
Champion Author Fort Worth

Posts:4,828
Points:1,009,670
Joined:Feb 2012
Message Posted: Aug 7, 2012 6:46:05 AM

Common sense
Profile Pic
thuathienhue
Champion Author Michigan

Posts:5,753
Points:1,162,610
Joined:Jul 2011
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.
Profile Pic
SnickersDog
Champion Author Denver

Posts:5,740
Points:1,250,490
Joined:Feb 2011
Message Posted: Aug 7, 2012 6:44:12 AM

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

Posts:4,858
Points:2,496,590
Joined:Feb 2006
Message Posted: Aug 7, 2012 6:43:54 AM

k
Profile Pic
redbeard47229
Champion Author Indiana

Posts:1,112
Points:72,640
Joined:Feb 2012
Message Posted: Aug 7, 2012 6:43:12 AM

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

Posts:6,858
Points:1,527,450
Joined:Dec 2008
Message Posted: Aug 7, 2012 6:43:07 AM

Great idea!
Profile Pic
JCUBE
Champion Author Michigan

Posts:11,131
Points:2,478,195
Joined:Aug 2003
Message Posted: Aug 7, 2012 6:42:40 AM

not gas price related
Profile Pic
BJ1947
Champion Author Oklahoma

Posts:2,417
Points:943,715
Joined:Mar 2011
Message Posted: Aug 7, 2012 6:42:31 AM

So
Profile Pic
bozo
Champion Author Boston

Posts:4,690
Points:2,091,630
Joined:Feb 2003
Message Posted: Aug 7, 2012 6:42:09 AM

interesting item.
Post a reply Back to Topics