On 9/23/17 9:40 AM, Ryan P. wrote:
On 9/21/2017 10:40 AM, John H wrote:
Consumer Reports, last month or month before, ran an article about a
study showing that auto
insurance companies were charging more for owners in minority
neighborhoods than for owners in
'white' neighborhoods, even though the insurance risk was basically
the same. Of course most of the
insurance companies either wouldn't respond or said they didn't
penalize owners for being a
minority. In other words, they provided bull****.

California is taking some action based on the study and the CR report.
Good on 'em. Nice to see
something good for a change. A couple Democrats in Congress have
jumped on the bandwagon. I believe
it would be appropriate for some Republicans to do the same.

https://www.consumerreports.org/cons...w_newslette r


or: http://tinyurl.com/y8uysstj



*I'm cautiously neutral on the issue...* Its a proven fact that some
zip codes have more auto thefts and vandalism than others.* In many
cities, these zip codes coincide with low income populations, which
often coincide with minority population concentrations.

*I'm not saying there aren't some scummy insurance companies out
there... but if the physical location of your garage is in a high-crime
area, I think its totally appropriate the owner pays more for their
insurance product than somebody in a low-crime area.

*Now, if there truly is no different insurance risk (auto related crime
rate is basically the same) the the company has some 'splaining to do.




Way back in prehistoric times, when I started working for the Kansas
City Star, I was earning next to nothing, about $100 a week, and had a
really ****ty car. I asked the day city editor for recommendations on a
cheap place to live and he said, "Definitely, Kansas City, North." Why?
Because in those days, a lot of KC's lower ranking mafiosos lived there,
and they wouldn't tolerate street crime. "You could leave your car
unlocked and running," the city editor told me, "and no one would steal
it."

I don't remember what I paid for liability insurance...it wasn't much.
The car I had wasn't worth insuring against theft. I lived in that area
for about a year, and then moved to a "better" neighborhood, but not
that much better.