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Does your auto insurance company overlook your safe driving record?

GasBuddy Blog -- In a perfect world we'd like to think that if we always drive responsibly and safely then that will be reflected in the price we pay for auto insurance coverage. And regretfully, that assumption has no basis in fact.

According to a report on auto insurance pricing from the Consumer Federation of America (CFA), the use of nondriving-related factors in rating drivers is especially costly to low- and moderate-income motorists, who often see higher costs for coverage even if they have a better driving record than richer, more educated counterparts.

Does that make sense?

The CFA study, which covered 60 insurance quote pairings gathered from the nation’s five largest insurers across 12 cities, used two sample profiles...

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Submitted Feb 05, 2013 By: PD

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litlmina Rookie Author Indianapolis Posts:30 Points:106,560 Joined:Jan 2011	Message Posted: Feb 14, 2013 1:02:05 PM Ignore litlmina Report Abuse You should not have to provide a credit report for car insurance! It should only be based on your driving record.
musicreporter All-Star Author San Antonio Posts:620 Points:131,315 Joined:Dec 2012	Message Posted: Feb 12, 2013 1:26:53 PM Ignore musicreporter Report Abuse hope not, need to check , that's why competition is always good
USMCturtlehead Champion Author Lexington Posts:1,963 Points:100,775 Joined:Feb 2013	Message Posted: Feb 12, 2013 1:05:32 PM Ignore USMCturtlehead Report Abuse It pays to shop around for car insurance every few years. Many times once you feel comfortable with rates they start creeping up on you.
danny1460 Rookie Author Atlanta Posts:84 Points:302,430 Joined:May 2007	Message Posted: Feb 11, 2013 10:04:35 PM Ignore danny1460 Report Abuse Stop being allowed to use credit reports for car insurance..Home insurance yeah.....
moose21040 Rookie Author Baltimore Posts:81 Points:112,455 Joined:Jan 2011	Message Posted: Feb 11, 2013 11:08:20 AM Ignore moose21040 Report Abuse no they don't
honda0105 Champion Author Tallahassee Posts:18,590 Points:1,606,595 Joined:Nov 2008	Message Posted: Feb 10, 2013 8:00:53 AM Ignore honda0105 Report Abuse 36: I totally agree. But that's not what they do. And it's legal.
moose21040 Rookie Author Baltimore Posts:81 Points:112,455 Joined:Jan 2011	Message Posted: Feb 9, 2013 2:23:03 PM Ignore moose21040 Report Abuse No
36IHBinder Champion Author Illinois Posts:2,943 Points:640,165 Joined:Jun 2011	Message Posted: Feb 9, 2013 2:14:42 PM Ignore 36IHBinder Report Abuse Only your driving record should play a roll in price
honda0105 Champion Author Tallahassee Posts:18,590 Points:1,606,595 Joined:Nov 2008	Message Posted: Feb 9, 2013 7:27:12 AM Ignore honda0105 Report Abuse sadly, they all can just look at your credit report - like that's a true reflection? (esp. in an age of foreclosure and a tanking economy?)
LuckyLou1 Veteran Author Colorado Posts:400 Points:177,420 Joined:Oct 2012	Message Posted: Feb 6, 2013 10:37:18 PM Ignore LuckyLou1 Report Abuse Should be only your driving record
csblesson Champion Author Texas Posts:1,801 Points:350,200 Joined:May 2012	Message Posted: Feb 6, 2013 10:00:38 PM Ignore csblesson Report Abuse They just want money
lpatti1 Champion Author Philadelphia Posts:10,186 Points:1,960,335 Joined:Sep 2005	Message Posted: Feb 6, 2013 1:52:17 PM Ignore lpatti1 Report Abuse Old news but YES ANYWAY!
manaknight14 All-Star Author Pennsylvania Posts:538 Points:427,460 Joined:Oct 2011	Message Posted: Feb 6, 2013 1:41:10 PM Ignore manaknight14 Report Abuse Amen, BackwoodsPundit. It's nice to see somebody still understands the basic idea behind risk analysis.
paulp24 Champion Author Harrisburg Posts:4,527 Points:819,625 Joined:Dec 2010	Message Posted: Feb 6, 2013 1:22:27 PM Ignore paulp24 Report Abuse I just dont get why GB/PD wants to constantly tie up this slot for 2 day old or more news. They can post all the articles they want in all 5 slots if they want but if ya got nothing new let folks kick up fresh stories. I for one look forward to reading whats posted every day. My 2 cents...
BAJALRRP Veteran Author Tacoma Posts:431 Points:1,261,385 Joined:Oct 2005	Message Posted: Feb 6, 2013 12:05:03 PM Ignore BAJALRRP Report Abuse Old
gougenator Champion Author Dallas Posts:29,837 Points:3,242,000 Joined:Aug 2003	Message Posted: Feb 6, 2013 11:21:24 AM Ignore gougenator Report Abuse now my insurane co "sniffs" out who lives in my household...LOL and even has fictitious names (names of ppl i dont know and with my last name!!!LOL ,,its unbeleiveable how far insurance pokes into your life just so it can screw you out of more money ,LOL ....and they say they cannot take those bad names off that list,,, hows that for something? figure this out
rodzilla123 Champion Author San Diego Posts:4,380 Points:1,031,115 Joined:Jul 2008	Message Posted: Feb 6, 2013 11:18:26 AM Ignore rodzilla123 Report Abuse The Man from Allstate says "No, we reward good drivers ever 6 months" Are they Lying???????
Lologogo Champion Author Twin Cities Posts:1,294 Points:352,390 Joined:Sep 2011	Message Posted: Feb 6, 2013 11:15:01 AM Ignore Lologogo Report Abuse no
bell05 Champion Author Atlanta Posts:9,240 Points:1,872,935 Joined:Jun 2005	Message Posted: Feb 6, 2013 11:06:54 AM Ignore bell05 Report Abuse Old news.
slvrdo_dsprdo Champion Author Nashville Posts:4,681 Points:909,990 Joined:Jul 2008	Message Posted: Feb 6, 2013 11:06:06 AM Ignore slvrdo_dsprdo Report Abuse Can we change the news stories at least on a daily basis, please?
radiorumor Champion Author Texas Posts:2,792 Points:749,860 Joined:Feb 2011	Message Posted: Feb 6, 2013 11:04:13 AM Ignore radiorumor Report Abuse I shop insurance every three years to keep them honest
Amos_Moses Rookie Author Illinois Posts:80 Points:15,710 Joined:Feb 2013	Message Posted: Feb 6, 2013 11:03:49 AM Ignore Amos_Moses Report Abuse no more than they did yesterday
peanutsMN Champion Author Twin Cities Posts:1,674 Points:383,980 Joined:Jul 2011	Message Posted: Feb 6, 2013 11:03:33 AM Ignore peanutsMN Report Abuse Old news
nanu4u21 Champion Author Orange County Posts:1,088 Points:235,760 Joined:Aug 2012	Message Posted: Feb 6, 2013 11:02:52 AM Ignore nanu4u21 Report Abuse Not mine
K9LO Champion Author North Dakota Posts:2,664 Points:539,980 Joined:Nov 2010	Message Posted: Feb 6, 2013 11:00:49 AM Ignore K9LO Report Abuse The insurance world has many inside secrets.
fenster66 Champion Author Pittsburgh Posts:3,330 Points:670,090 Joined:May 2011	Message Posted: Feb 6, 2013 10:59:43 AM Ignore fenster66 Report Abuse This is definitely disturbing....
McMutt Champion Author Ontario Posts:2,132 Points:1,306,500 Joined:Nov 2007	Message Posted: Feb 6, 2013 10:56:13 AM Ignore McMutt Report Abuse Don't know?
sparkie951 Champion Author Roanoke Posts:4,160 Points:848,060 Joined:Dec 2010	Message Posted: Feb 6, 2013 10:55:46 AM Ignore sparkie951 Report Abuse Old News and Yes
rrs517 All-Star Author Colorado Posts:913 Points:341,030 Joined:Apr 2006	Message Posted: Feb 6, 2013 10:54:53 AM Ignore rrs517 Report Abuse Auto insurance is a black hole of what we don't know.
BeaconLite Champion Author Ottawa Posts:1,927 Points:367,325 Joined:Sep 2009	Message Posted: Feb 6, 2013 10:54:41 AM Ignore BeaconLite Report Abuse Deja vu news.
KillChain Champion Author Albuquerque Posts:5,605 Points:1,528,535 Joined:Jun 2006	Message Posted: Feb 6, 2013 10:54:31 AM Ignore KillChain Report Abuse GB Blog,thanks for the post.
jdhelm Champion Author Iowa Posts:11,812 Points:1,195,965 Joined:Dec 2009	Message Posted: Feb 6, 2013 10:53:55 AM Ignore jdhelm Report Abuse old news
bart_reed Champion Author Los Angeles Posts:3,959 Points:782,705 Joined:Mar 2011	Message Posted: Feb 6, 2013 10:52:12 AM Ignore bart_reed Report Abuse The insurance world has many inside secrets.
NorthglennBill Champion Author Denver Posts:7,417 Points:1,469,370 Joined:Oct 2008	Message Posted: Feb 6, 2013 10:51:23 AM Ignore NorthglennBill Report Abuse Anything to get that extra buck out of your pocket.
zimowski Champion Author San Jose Posts:6,656 Points:1,581,540 Joined:Nov 2007	Message Posted: Feb 6, 2013 10:51:02 AM Ignore zimowski Report Abuse My safe driving record is taken into account.
Wolfwings Champion Author Delaware Posts:8,725 Points:1,773,540 Joined:May 2004	Message Posted: Feb 6, 2013 10:50:23 AM Ignore Wolfwings Report Abuse old
FMREALTOR Champion Author Florida Posts:6,390 Points:1,694,080 Joined:Jan 2007	Message Posted: Feb 6, 2013 10:49:34 AM Ignore FMREALTOR Report Abuse k
q2 Champion Author Alberta Posts:2,019 Points:377,070 Joined:Nov 2008	Message Posted: Feb 6, 2013 10:49:21 AM Ignore q2 Report Abuse old news
TheSicilian Champion Author Jacksonville Posts:5,364 Points:1,466,825 Joined:Feb 2009	Message Posted: Feb 6, 2013 10:48:14 AM Ignore TheSicilian Report Abuse lets hope not
packards42 Champion Author Washington Posts:6,425 Points:1,124,590 Joined:Feb 2005	Message Posted: Feb 6, 2013 10:47:56 AM Ignore packards42 Report Abuse No idea, but I think the answer is yes.
smqua Champion Author Cleveland Posts:1,676 Points:583,030 Joined:Mar 2011	Message Posted: Feb 6, 2013 10:46:55 AM Ignore smqua Report Abuse Risk is risk
Hypersonic All-Star Author Maryland Posts:962 Points:847,665 Joined:Aug 2008	Message Posted: Feb 6, 2013 10:46:52 AM Ignore Hypersonic Report Abuse yes
W4YAH Champion Author Florida Posts:1,133 Points:229,795 Joined:Feb 2012	Message Posted: Feb 6, 2013 10:44:54 AM Ignore W4YAH Report Abuse Nope
WTLITNG Champion Author Virginia Posts:1,834 Points:1,011,945 Joined:Dec 2008	Message Posted: Feb 6, 2013 10:44:43 AM Ignore WTLITNG Report Abuse rerun
noonedwagfan All-Star Author Dayton Posts:950 Points:239,155 Joined:Sep 2012	Message Posted: Feb 6, 2013 10:44:03 AM Ignore noonedwagfan Report Abuse YES!!!
BackwoodsPundit Champion Author Richmond Posts:5,179 Points:1,009,480 Joined:Oct 2005	Message Posted: Feb 6, 2013 10:43:52 AM Ignore BackwoodsPundit Report Abuse I think they should price it based on what they perceive the risk to be based on their own experience. If they get it wrong then they are losing money and not maximizing their own profit. If it was such a major problem, then you would have other companies waiting to swoop in and grab these "low risk" drivers and make money from them. When Government gets involved, costs go up for EVERYONE.
ARCO Champion Author Pittsburgh Posts:2,333 Points:2,374,445 Joined:Sep 2005	Message Posted: Feb 6, 2013 10:43:26 AM Ignore ARCO Report Abuse YES
bluebird1 Champion Author Toronto Posts:15,720 Points:3,105,200 Joined:May 2004	Message Posted: Feb 6, 2013 10:43:07 AM Ignore bluebird1 Report Abuse NOt completely, but seems to mean less than region or other factors for pricing ins.
Schlunggi Rookie Author New Jersey Posts:86 Points:94,345 Joined:May 2012	Message Posted: Feb 6, 2013 10:42:48 AM Ignore Schlunggi Report Abuse Day old news!
CptnCanada Champion Author Saskatoon Posts:7,007 Points:914,975 Joined:Jun 2008	Message Posted: Feb 6, 2013 10:42:30 AM Ignore CptnCanada Report Abuse the area of town you live in effects your vehicle ins costs... of course areas that have high vandalism are going to pay more than those in gated patrolled communities.