this post was submitted on 16 Mar 2024
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Romeo Chicco’s auto insurance rate doubled because of information about his speeding, braking and acceleration, according to his complaint.

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[–] [email protected] 2 points 9 months ago (1 children)

Is your record good? I moved years ago and my rate dropped by half.

Was my record better or something? No.

[–] [email protected] 3 points 9 months ago* (last edited 9 months ago) (2 children)

Did you move states? Even cities can matter.

I didn’t mean to suggest that ONLY driving record matters.

If you move to a place known for a lot of uninsured drivers, your rates are gonna increase, for example.

[–] [email protected] 2 points 9 months ago

quit making sense. 😏

[–] [email protected] 0 points 9 months ago (1 children)

A private business is arbitrarily charging customers for a required service. Living in one postal code or another has no bearing on a driver's actual skill. These people are predatory, pull your head out of your ass.

[–] [email protected] 1 points 9 months ago* (last edited 9 months ago) (1 children)

As I said before, premiums aren’t just based on driver skill/record.

If you move to an area with high carjacking rates, your premiums will rise.

You sound like a kid who just started paying attention to this stuff. I thought it was common knowledge.

I’ve lived in 5 different places, over 2 countries, with the same car, under the same insurance company. Rates were always different.

[–] [email protected] 0 points 9 months ago (1 children)

So my premiums are higher in my 20000$ car because Lexus drivers get carjacked in my postal code.

It's not new to me. It's always been stupid and predatory.

[–] [email protected] 2 points 9 months ago* (last edited 9 months ago) (1 children)

You’re hyperfixating on my examples and missing the point (or, more likely, you understand perfectly but don’t want to admit it). Lots of different metrics go into the final number.

Think insurance rates for those owning the easily stolen models of Hyundai vehicles went up? Likewise, SHOULD they go up after it became apparent they were easily stolen?

[–] [email protected] 1 points 9 months ago (1 children)

The whole thing is predatory and abusive, and is enabled by regulatory capture.

[–] [email protected] 1 points 9 months ago (1 children)

That can be true and it can also be true that accident rates, individual driver history, carjacking rates, weather patterns, and a long list of other things goes into the final number.

[–] [email protected] 1 points 9 months ago

Yeah any arbitrary thing they decide makes them more money, they will include, which is a problem.