As an extreme example of this, I moved about 6 miles, from NE Portland to NW Portland (oregon), and my insurance dropped from $600/6 mos to $450/6 mos.

I am fairly sure (since I only have liability insurance) that this is indeed based on the number of accidents/incidents/claims in the zip code.

My old house was at the corner of two major streets, and there really was a major accident there ONCE a week. Once a van even plowed into the lightpost outside our house, causing it (the house) to shake. It was funny to look at my phone bill and see all the 911 calls. (i don't think anyone was ever seriously hurt)

Plus, I myself got in a motorcycle accident 3 blocks from my house. I moved, and my insurance went down right after that!

-Aaron

$576 for Sherman Oaks isn't bad at all! Count yourself lucky that you're not in the assigned risk pool. Way back in 1985 I was paying $1200/yr for 15/30 liability.

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You don't need a weatherman to know which way the wind blows - Robert A. Zimmerman

Reason being, NYC car insurance rates are absolutely absurd. I know of an example: with the same car and coverage outside NYC (but within the state) the annual premium is approxiamtely $1400, but registered in the city the premium would be almost $5000.

With a $3600 savings on insurance, there's an argument to "cheat" and simply not make any claims if there is a loss. If you have losses of less than $3600 per year, you're ahead of the game.

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2003 S500 Black/Charcoal
1990 560SEL 61k Arctic White/Grey

SOLD:
1988 420SEL Black/Palomino Sold @ 85k
1987 420SEL Midnight Blue/Grey
1986 420SEL Diamond Blue/Grey
1983 380SEL Champagne/Palomino

Because it's not fair.

The insurance company is getting paid via two methods, area lived in and driving record. If the area lived in has higher rates then it must be figured that there is a higher claim rate for each driver in that area vs. another area. That would mean that the drivers living in these area would also all have worse driving records than drivers of different areas.

So what's going on is the insurance company making a general assumption about drivers who live in the target area that they all must be bad drivers and raise everyones rates, even ones who do nothing wrong.

It should only be driving records that determine the rates of each policy, not something that has completely nothing to do with a particular driver, such as other bad drivers.

I could right now move to the middle of nowhere, get invloved in several car crashes and get some tickets and have to pay the same as someone with a perfect record who lives in LA, I don't think that's right.

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1992 Mercedes-Benz 400E
2002 Mercedes-Benz ML500

Insurance rates in Louisiana are terrible.

Every few years we throw our elected insurance commissioner into jail for several years for accepting bribes or influence peddling or whatever they call it.

Could there possibly be a connection?

new election year, new Commissioner.

Somebody assemble a Grand Jury, please.

B

True, true

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1992 Mercedes-Benz 400E
2002 Mercedes-Benz ML500