31-05-2005 00:07									#1
	What a difference a zip code makes Browse Apolyton AD-FREE

I'm getting ass-raped on my insurance premiums. Currently paying something like 1100$ for 6 months insurance (Geico) for the minimum allowable coverage under the law.

This is absolutely ridiculous, and I know it. I've checked a couple of other quotes (including Progressive), but they were all comparable.

I'm going to be moving out of my current zip code (21218) in the next two months. Probably to 21211, about a mile from my current location.

Checked out what this does to my rates on Progressive.

Drops them by 50% to around 550$ per 6 months.

	31-05-2005 00:09									#2
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All of a sudden I'm half as dangerous because I move a mile down the road.

****ing students all live in 21218. They really do suck at driving around here, and they're pushing my rates through the ****ing roof.

Last edited by KrazyHorse on 31-05-2005 at 00:20

	31-05-2005 00:12									#3
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I would think that zip code based rates would be linked to the amount of break-ins/valdalism in said zip code. Student areas often are.

	31-05-2005 00:15									#4
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Are you 25 yet?

	31-05-2005 00:19									#5
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could also be theives and the like..

Jon Miller

	31-05-2005 00:20									#6
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quote: Originally posted by Kontiki I would think that zip code based rates would be linked to the amount of break-ins/valdalism in said zip code. Student areas often are.

Given that I have no comprehensive coverage, I don't see how.

If somebody breaks into my car it's my problem.

	31-05-2005 00:21									#7
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quote: Originally posted by Dauphin Are you 25 yet?

Yes. That makes a little bit of difference, but nothing like the zip code.

	31-05-2005 00:33									#8
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Also, playing around with Progressive's online quote machine, it's better to have been caught drunk driving than to have been caught speeding.

	31-05-2005 00:38									#9
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quote: Originally posted by KrazyHorse Given that I have no comprehensive coverage, I don't see how. If somebody breaks into my car it's my problem.

You pay that much without comprehensive? That's insane.

	31-05-2005 00:44									#10
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Thanks. I already knew that. I'm driving a ****ing 13 year old Camry, and the insurance premiums for a year are as much as the car is worth.

It's this ****ing zip code.

Can't wait to move now. I've paid off the last installment of my old policy. Once I move I'm not going to be paying that any more.

	31-05-2005 00:48									#11
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quote: Originally posted by KrazyHorse Thanks. I already knew that. I'm driving a ****ing 13 year old Camry, and the insurance premiums for a year are as much as the car is worth. It's this ****ing zip code. Can't wait to move now. I've paid off the last installment of my old policy. Once I move I'm not going to be paying that any more.

do you have collision?

	31-05-2005 00:52									#12
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quote: Originally posted by Dissident do you have collision?

No.

Not that collision insurance would add that much to the cost of insurance, given that my car is only worth (blue book value) 2500$ or so.

Just got a Geico quote for my new address. Though Progressive and Geico both have similar rates for my current address, Geico only drops my rate to 1000$ every six months for the new address (compared to Progressive's 550$)

**** Geico.

	31-05-2005 00:56									#13
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what about uninsured motorist coverage? If you live in poor neighborhoods there is more a chance of being hit by an uninsured motorist.

Or they could just assume that poor student drive like **** and are likely to get in an accident with you. Or you get in accident with someone else.

	31-05-2005 00:56									#14
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I thought actuaries were supposed to know what they were doing.

First off, how come I'm paying through the nose with a spotless driving record, a shitty old car (which is only driven ~5000 miles a year in my care) and the legal minimum of coverage?

Secondly, why does a difference of 1 mile in where I park my ****ing car drop my rate by 50%?

Thirdly, why does one insurance company cost so much less than another for the exact same circumstances (not to mention the fact that I've now been with Geico for a year without making a claim).

	31-05-2005 00:57									#15
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I hate insurance companies they discriminate based on income, age, gender. horrible. If they could, they'd charge black people more insurance. That's the only one they can't discriminate against.

	31-05-2005 01:01									#16
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quote: Originally posted by Dissident what about uninsured motorist coverage? If you live in poor neighborhoods there is more a chance of being hit by an uninsured motorist.

That is true, but my uninsured motorist coverage is only ~150$ over 6 months. The bulk of my cost is in bodily and property liability (~550$ and 350$ respectively)

I really do think that this zip code is full of piss-poor drivers though. I've been scraped while my car was parked by somebody who didn't leave a note (didn't make a claim, since I figured the likely additional cost in premiums would outweigh the benefit of getting a scratch repaired). I've also seen the idiots who live around me be unable to park their cars in spots which were twice as long as their vehicles (watched somebody try for 10 minutes and be unable to do it; I wanted to go outside and offer to park her car for her).

	31-05-2005 01:02									#17
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Just because I live next to shitty drivers does not make me a shitty driver.

*******s.

	31-05-2005 01:25									#18
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quote: Originally posted by KrazyHorse I thought actuaries were supposed to know what they were doing. First off, how come I'm paying through the nose with a spotless driving record, a shitty old car (which is only driven ~5000 miles a year in my care) and the legal minimum of coverage? Secondly, why does a difference of 1 mile in where I park my ****ing car drop my rate by 50%? Thirdly, why does one insurance company cost so much less than another for the exact same circumstances (not to mention the fact that I've now been with Geico for a year without making a claim).

1 year isn't much. i've been with Geico for 10 years without making a claim.

	31-05-2005 01:31									#19
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10 years ago I was 15.

	31-05-2005 01:35									#20
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I have had the same vehicle for 10 years now. But I live in a city with very high auto theft rates. And I drive a 4 X 4 (4x4's have higher rates, because they assume I'm some stupid redneck driver). I think I'm paying about $500 dollars for 6 months. $1000 a year. This is for a 10 year old vehicle (pickup). I'm not sure how much it's worth anymore.

And this is with a military discount. I keep meaning to take that off, but I keep forgetting. . As I'm not in the military anymore. But I also keep forgetting to tell them I installed a car alarm (though it isn't the expensive type that disables the ignition) and I use the club. I also only drive about 7600 miles a year instead of 10,000 like I orginally estimated.

I put my alarm and started using the club when my truck was broken into 5 years ago and some kids tried to steal it. My dog warned me, and I scared them off before they did any damage to my ignition.

	31-05-2005 02:26									#21
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Once upon a time, I was getting killed by commuter time, so I moved 80% closer to school, to a place I drove by everyday. When I did this, my insurance rates quintupled even though I was driving 80% less. Moral of the story: Don't ever live in the same zip code as Koreatown.

A couple of years later, I was thinking about buying a convertable, so I called by agent to see what that would do to my insurance. He took one look and screamed, "@#^&!@!, where do you live?!"
"Near Koreatown."
"Oh, well you can't afford insurace for a rag top."
"Whatta you mean, I can't afford it?? You don't even know how much I make."
"I don't care how much you make. You can't afford it."

	31-05-2005 02:31									#22
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****. I do live in the same zip code as Koreatown.

	31-05-2005 03:06									#23
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The rates on 2 doors are also more than if you had four.
Want lower rates, get a sedan, not a sports car. Air-bags, anti-lock brakes also lower your rate. Do you have State Farm in Canada. They have the cheapest rates, but will drop you like a hot potato is you file too many claims. About 5 years ago, I had a Chevy Cavalier, four door, ABS, driver side air-bag. I had 50K/100k/50k, collision & comprehensive, rental, death, dismemberment, hospital, loss of work/wages, you name it. Paid $600 for the year. At the time I had a job about 50 miles from home. Had three accidents in three weeks. Hit a deer, and 2 snow related. No other drivers involved. They dropped me and I had get coverage from the assigned risk pool.

	31-05-2005 03:28									#24
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quote: Originally posted by Zkribbler Once upon a time, I was getting killed by commuter time, so I moved 80% closer to school, to a place I drove by everyday. When I did this, my insurance rates quintupled even though I was driving 80% less. Moral of the story: Don't ever live in the same zip code as Koreatown. A couple of years later, I was thinking about buying a convertable, so I called by agent to see what that would do to my insurance. He took one look and screamed, "@#^&!@!, where do you live?!" "Near Koreatown." "Oh, well you can't afford insurace for a rag top." "Whatta you mean, I can't afford it?? You don't even know how much I make." "I don't care how much you make. You can't afford it."

I think I know the reason for this. Koreans, at least the ones in Berkeley, are real ******* when they deal with other drivers after an accident, and even more so when they deal with the insurance company. (and they have a higher tendency to take small incidents to the insurance company)

	31-05-2005 03:33									#25
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quote: Originally posted by Muad'Dib The rates on 2 doors are also more than if you had four. Want lower rates, get a sedan, not a sports car. Air-bags, anti-lock brakes also lower your rate. Do you have State Farm in Canada. They have the cheapest rates, but will drop you like a hot potato is you file too many claims. About 5 years ago, I had a Chevy Cavalier, four door, ABS, driver side air-bag. I had 50K/100k/50k, collision & comprehensive, rental, death, dismemberment, hospital, loss of work/wages, you name it. Paid $600 for the year. At the time I had a job about 50 miles from home. Had three accidents in three weeks. Hit a deer, and 2 snow related. No other drivers involved. They dropped me and I had get coverage from the assigned risk pool.

I'm not in Canada. I live in Baltimore.

Otherwise I wouldn't have a 5 digit zip code.

I'll make a point of calling State Farm too.

	31-05-2005 03:39									#26
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This is why I take the bus.

I don't understand how you people afford these ridiculous costs.

	31-05-2005 03:40									#27
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Bus. In Baltimore.



I walk to school, but getting to the grocery store or to my friends' houses is just plain stupid without a car.

	31-05-2005 03:40									#28
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quote: Originally posted by KrazyHorse I'm not in Canada. I live in Baltimore. Otherwise I wouldn't have a 5 digit zip code. I'll make a point of calling State Farm too.

I use State Farm for house insurance.

Completely different thing, I know, but I quite liked dealing with them. Affordable too.

	31-05-2005 03:41									#29
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quote: Originally posted by KrazyHorse Bus. In Baltimore. I walk to school, but getting to the grocery store or to my friends' houses is just plain stupid without a car.

Yeah, I figured as much.

From what I gather Balbi is a dump save for the waterfront area.

	31-05-2005 03:44									#30
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Hmmmm...my rates were really high when I lived in Koreatown too.

Hmmmmmmm