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(Transportation-News.com, February 02, 2013 ) Miami, FL -- According to a recent study from the Consumer Federation of America, there have been some odd tallies in the numbers when it comes to auto insurance.
The CFA utilized two hypothetical drivers and looked to have them insured from various carriers that offered average rates. Both drivers were to be 30 years of age, female, and each would have the same amount of experience driving on the road. The hypothetical drivers would also have similar Zip codes, and would be seeking the minimum levels of coverage for their insurance.
The difference in the women were that one would be single, and renting a house, and would not have had insurance for 45 days. She also would have a spotless record on the road, with no accidents or tickets. The other women would be both married and a highly educated individual, as well as a homeowner. This hypothetical individual would have been at fault in an accident that cost a total of $800 in damage within the previous three years.
If one were to assume the latter had the higher rate quoted to her across the board, one would be mistake more often than not. The study noted: “In two-thirds of the 60 cases studied, large auto insurers quoted higher premiums to safe drivers than to those responsible for an accident. And in more than three-fifths of the cases with these higher premiums, the premium quoted the safe driver exceeded the premium quoted the unsafe driver by at least 25%.”
The CFA concludes that the fact that safer drivers are being asked to pay more reflects "insurer use of rating factors such as education and occupation that, in a 2012 nationwide survey, over two-thirds of Americans said were unfair."
The study stated that not all carriers follow the pattern, and in some cases, the driver with less income but viewer accidents was given the lower quote. "In all twelve cities State Farm charged the good driver less. Moreover, in all twelve cities, the rates quoted by State Farm were either the lowest (six cities) or the second lowest (six cities)."
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