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Moneywise

Blue-collar workers pay more for auto insurance, analysis finds

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  • Brave Sir Robin San Diego, CA
    July 24, 2013 11:46 a.m.

    This is a textbook example of a study that mistakes correlation for causation, the cardinal sin of bad science. As is mentioned in the article, blue-collar workers are more likely to live in urban areas (while white-collar workers tend to live in suburban areas). Driving in urban areas makes one more likely to be in high-liability accidents (due to increased congestion, more difficult parking, and more pedestrians), and people living in urban areas are more likely to have their cars stolen or broken into. All those things mean higher rates.

    So it's not whether you've got a blue-collar job or a white-collar job or no job - it's really all about where you live. There's a reason why the first thing they ask you when you're shopping for car insurance is your zip code.

  • Chris B Salt Lake City, UT
    July 24, 2013 12:23 p.m.

    If a certain group tends to get in more accidents, then I'm fine with that group being charged more for insurance.

    Pretty simple really.

    The fact that many of them had clean records does not make negligible the fact they still fall into a category that has been proven to typically have worse driving habits.

  • JSB Sugar City, ID
    July 24, 2013 6:26 p.m.

    It is illegal to drive without liability insurance in most states. But, lots of people get away with having no liability insurance because there is nothing prevent them from using their automobile, insured or not. If they cause an accident, then there really isn't much the law abiding citizen can do to cover his losses. Could the law be written so that if there is no liability insurance on an automobile, then the license plates must be surrendered (to a county office or some other place) until proof of liability insurance is produced. To me this is a far more important issue than who has to pay higher rates. I think that citizens of a state that had such a law by taking uninsured automobiles right off the streets would probably pay lower insurance rates.

  • KDave Moab, UT
    July 25, 2013 8:21 a.m.

    When the Govt. makes insurance mandatory, the insurance companies can and do anything they want. They tell us it is for our own protection, but we pay for it. Boy, do we pay for it.