How Aren't Insurance Rates Discrimination?

Insurance is the second most lobbied for thing in Washington

Discrimination is perfectly legal. What is illegal is discriminating by race, religion, etc. Your insurance company can't and doesn't base rates on those factors.

It is. So e of us were forced to become adults at an earlier age. Insurance companies are making it next to impossible to pay fir insurance for those unfortunate ones

Yeah. I live in Michigan, which is notoriously bad for insurance prices. There is a lot of variation between states, apparently. I've met people who moved from Ohio to Michigan and were shocked at the degree to which they are shafted for auto insurance in MI. I think it has to do with the laws that are in place. It's fucked up. If other states have laws that make insurance cheaper, why the fuck doesn't my state adopt those laws. FUCK. I can only afford crash n' cry insurance on my shitbox so if some moron totals it through no fault of my own, I have no car and no money to get a new one.

How are insurance companies allow to base your premium on your fucking credit score?

I'm paying $220/month full coverage on a 10-year-old car because I have OK credit.

It was $180.

Indeed. It's all a scam.

The EU banned that

Why religion? You can choose your religion, and if you don't like it, convert to a different one.

They're all false gods anyways. Fuck, half of them are the same god fooling different people in different ways just because he likes to see bloodshed.

...

I was just stating my understanding of the law, not arguing it either way .

> You're young so we'll charge you a lot more
>Is no different than a health insurance company saying
> Oh you're black?

OP, stop lying. You are one of those SJW fanatics of applying racial discrimination accusations to everything. It's people like you that lost the election for Hillary. In the final month in my state, it wasn't trump that won the vote. It was that people kept on saying a vote for hillary is a vote for BLM violence and BLM type lying in everyday racial discrimination lawsuits everywhere. BLM tried tactics like paralyzing city processes until the city gives in. These are not methods of proving if an idea is right or wrong. It is winning thru terrorism and waste of public resources.

People like OP are the real enemy.

>they perform statistically worse at everything and always have.
>inb4 cherrypicked dindu
That's why they always viciously attack anyone using science or statistics as being racist. They don't attack the accuracy without looking foolish, so they simply ignore all logic and accuse you of racism if you don't agree. They try to dox you and then make up false facts to report you to your employer saying that you used the employer's name in the discussion. What they are trying to do is force the employer into a corner to fire you or demote you. Truth doesn't matter to those anti-racist activists. Only victory and more money matters to them.

I honestly don't see why religion is on there. Not to argue about if religion is real or not, but if your beliefs affect may possible insurance costs, it should be fair to charge more for it. For example, if we have a hypothetical religion dedicated to eating seventeen big macs a day, and you are an avid participant in that religion, it makes it more likely for you to cost the health insurance company.

Hell, I would say it makes more sense for religion to affect insurance as it is one part of you that can directly affect how much you may cost the insurance company. They are literally your beliefs and actions, which directly leads to if you need a payout or not, no matter what kind of person you are.

because credit score correlates with risk. People with lower scores are statistically less likely to take good care of their vehicles, drive carefully, etc. They're not financially responsible so why would they be responsible on the road?

It would be more expensive for blacks if it did, though.

>How Aren't Insurance Rates Discrimination?
It is not racial discrimination to consider criminal history as being relevant for determining insurance rates. The USA Supreme Court agreed.

> Literally voted for trump
> Literally have never in my life taken a handout
> Started working full time at 16
> No father, mother was a fiend
> Finally got a good well paying and steady job (20)
> Get a nicer car
> Insurance rapes me in the asshole because "lol too young bro"
> Wish insurance didn't fucking immediately assume because you're young you drive like an asshole.
> Somehow this makes me a BLM supporter
Are you seriously this paranoid and autistic or wtf?

You're the paranoid one. You should know better than to force anyone's post about a segment of the population as being your own. You simply were in a different segment of the population.

>Geico can't charge me more for being a man if I say I'm a woman

>How is it that car insurance companies are allowed to straight up discriminate amd get away with it?
OP has changed the definition of discrimination when he words things this way. It is a deceptive and deceitful word manipulation tactic similar to one of the methods BLM activists are trained to use.

Medical School acceptance rates show reverse discrimination exists. To be fair, black applicants should be rejected at the same GPA level as asian applicants. To be yet fairer, black muscle sport applicants for college in general should have the same minimum SAT requirements as asian students in order to be allowed entry. Equality is good, right? Let's not be hypocrites then for education.

Nigger wtf are you rambling on about you autist holy shit i cringed.

Also see

Go away Alphonse

Why is there so much people missing the point? It's not about race you idiot. Treating somone differently based on AGE IS discrimination. OP just used the black thing as an example. (He compared a widely acceptable thing [age discrimination] and compared it to a illegal/socially unacceptable thing [race discrimination] why are pol tards trying to turn this into a race thing

I'm 22 and pay $135 a month with a high speeding ticket, a minor accident (bumped a parked car, light scratches on their car but I'm not a scumbag so obviously I wanted their car to get fixed), and a ticket for forgetting to renew my registration which for some reason matters to car insurance companies.
It's not cheap but it's affordable desu

22 isn't that young. Also do you have full coverage and a non shitbox?

/thread

I'm black

This is for a 2008 Lexus IS350.

One accident, not at fault. Been driving since 16 with a clean record until May.

Before that, I was paying 330 monthly for 500 comp and collision with minimum coverage.

They ruled here that you can no longer charge males and females differently because it is sexist.
What did the insurance companies do?
Increase rates for females to stop the discrimination

Scumbags

>I'm black
You should try some "what if lived in a different zip code" examples and see what the rates are for those other areas. The rates may be high due to people frequently filing claims in your area. I've had rate differences ranging from $140 to $99 per month based upon location changes.

If the difference in insurance rate more than covers the cost of living in a different location, then it might be worth moving.

You can look online for articles on factors that insurance companies use and try to find ways to change some of them. The classic is to move to a different area with different roommates. If you have a roommate with felony evading police DUI history, then that will jack your rates.

insure.com/car-insurance/horrible-decisions-mess-up-car-insurance.html

>One accident not at fault.
That can still raise your rates because some insurance companies assume you get into situations where more accidents occur even if none of them ever get blamed on you.

nytimes.com/2017/02/15/your-money/auto-insurance-rates-quotes-no-fault-accident.html

Another factor in rates is whoever is living at your household. Due to national driving habits, people living in the same household WILL borrow cars from other household members. So that's why they try to find out whoever else is living there. If those other people have high claim rates, then your rates go up. Probably the one the company hates is something like felony evading police while drive by shooting after killing child kidnapped in car followed by carjacking. I've never seen rates so high as yours. It's like they're accusing you of having carjacked a car, collided into a police cruiser with it, then taking the police cruiser and running the officer over with it before driving it into a school followed by jacking an overpaid teacher's tesla to go run over princess diana several times. Maybe doing all that would still not make the rates as high as yours.

cheapcarinsurance.net/will-your-car-insurance-rates-increase-if-your-roommate-is-a-bad-driver/

Gender is a social construct
So if we identify as the lowest cost gender they have to honor it.

I identify as a 40 year old white woman with a perfect driving record and 790 credit score. If you disagree you're a sexist, racist, muhsoggytits, homophobe, islamphobic, bigot !!!1!1!

Bruh, I was flipping shit about paying $500 for 6 months.
Thank God I'm white.

vehiclehistory.gov/

Insurance on my motorcycle jumped from 45 a month for full coverage to 250 for liability when I moved from Alberta to British Columbia, which has mandatory government ran insurance (ICBC).

Idiots here still think ICBC is good because their rates wont hike if you get into at fault accidents all the time or have had multiple tickets.

I say fuck that, why am I paying more so suzy soccermom who has an accident every 2 weeks can pay what I do? Fuck socialism.

>suzy soccermom
She votes often while those that didn't like ICBC didn't have enough of a voice. The legislators in BC might even have been bribed by the lobbyists. But I bet part of the problem comes from all those cars in Richmond being driven by China citizens living in BC.

The problem is ICBC is for profit.

The governments not going to easily give up something its making money with. Im not full /pol/, but highway robbery like this pisses me off.

>costs £1000s to insure a yamaha R1
>only costs £200 to insure a GSX1400

lmao bikes man

It's all about statistics. Not even insurance companies can relax around blacks.

What made you think discrimination was wrong? It done all the time. Even by governments. Even by you.

It's a no-fault state...

I pay 245 a month on a 6 year old shit-box...
Clean record too

So is Kanas, but insurance is cheap.

back to /pol/ drumpfkin. tired of racists like you contaminating Veeky Forums

>implying it has anything to with Trump and not global warmbing

Because there is no legal way to prove one's religion.
You can't discriminate semites or arabic people as that's race and not belief and you can't keep everyone under surveillance to see if they pray/attend worship places; or more precisely you can but that info can't really get used for less than terrorism (be thankful for that, you don't want every corp to discriminate on every non-race thing they know about you).
And even then, you can't prove x isn't just visiting churches for the architechture or sitting down and listening to music to calm down and meditate in a peaceful setting.

What you could do is discriminate on the concrete religious acts people do. As that would be actions and not wrongthought, but you can only do so in settings where it matters.
To get back on that example of the big mac religion, you can discriminate on people eating lots of junk food, but you can't just do it if they wear clothing related to that religion.

They didn't, I'm an 18 y/o male and it cost me £800 to insure a 1 litre aygo, would be considerably less if I was a girl

>It's simple, really. You start out at a certain baseline, just like everyone else. Over time you either prove you're a good driver, causing your rates to drop (no-claim bonus and such) or prove you're a shit driver, causing your rates to go up (accidents, tickets, etc).

Except it's not, in burger land at least.

>britain
>EU

Shut up Alphonse.
That guy's car insurance post was on topic and addressed the comment OP made.

kek. My first car was an mrs and the insurance for that all year round was 350 eur.
Glad you spastic fucks voted to get out so you can take your stupid policies and go be miserable alone.