this post was submitted on 16 Mar 2024
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Privacy
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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.
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.
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?
The whole thing is predatory and abusive, and is enabled by regulatory capture.
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.
Yeah any arbitrary thing they decide makes them more money, they will include, which is a problem.