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  #1  
Old 03-26-2008, 01:30 PM
zeronero's Avatar
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Does Auto Insurance in CA still use address as a factor for rates?

Does Auto Insurance in CA still use address as a factor for rates?

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Old 03-26-2008, 02:36 PM
sd300td's Avatar
huh?
 
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Location: San Diego
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Some do. I believe Geico uses the address. Though some companies use the home address while others use work address.

I'm not a fan of using credit score for determining insurance rates...you'll know which companies do this when they ask for an authorization to pull credit history.
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Old 03-26-2008, 02:57 PM
iwrock's Avatar
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Yes, based off Zip Code.
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Old 03-26-2008, 03:43 PM
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Location: N. California./ N. Nevada
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The three mandatory rating factors for California Auto Insurance are

1. Annual miles driven

2. Years licensed

3. Driver Safety record (DMV)

Frequency and severity of loss as characterized by geographic territory is another actuarial factor that is considered also.

Consumers pay higher premiums where there is a higher risk of loss.

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