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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:111,535 Joined:Jan 2011	Message Posted: Feb 14, 2013 12:02:05 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:709 Points:156,660 Joined:Dec 2012	Message Posted: Feb 12, 2013 12:26:53 PM Ignore musicreporter Report Abuse hope not, need to check , that's why competition is always good
USMCturtlehead Champion Author Lexington Posts:2,374 Points:129,450 Joined:Feb 2013	Message Posted: Feb 12, 2013 12:05:32 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:85 Points:303,300 Joined:May 2007	Message Posted: Feb 11, 2013 9:04:35 PM Ignore danny1460 Report Abuse Stop being allowed to use credit reports for car insurance..Home insurance yeah.....
moose21040 Rookie Author Baltimore Posts:88 Points:134,220 Joined:Jan 2011	Message Posted: Feb 11, 2013 10:08:20 AM Ignore moose21040 Report Abuse no they don't
honda0105 Champion Author Tallahassee Posts:18,811 Points:1,635,270 Joined:Nov 2008	Message Posted: Feb 10, 2013 7:00:53 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:88 Points:134,220 Joined:Jan 2011	Message Posted: Feb 9, 2013 1:23:03 PM Ignore moose21040 Report Abuse No
36IHBinder Champion Author Illinois Posts:3,088 Points:668,840 Joined:Jun 2011	Message Posted: Feb 9, 2013 1:14:42 PM Ignore 36IHBinder Report Abuse Only your driving record should play a roll in price
honda0105 Champion Author Tallahassee Posts:18,811 Points:1,635,270 Joined:Nov 2008	Message Posted: Feb 9, 2013 6:27:12 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 All-Star Author Colorado Posts:541 Points:205,950 Joined:Oct 2012	Message Posted: Feb 6, 2013 9:37:18 PM Ignore LuckyLou1 Report Abuse Should be only your driving record
csblesson Champion Author Texas Posts:1,926 Points:377,975 Joined:May 2012	Message Posted: Feb 6, 2013 9:00:38 PM Ignore csblesson Report Abuse They just want money
lpatti1 Champion Author Philadelphia Posts:10,313 Points:1,987,465 Joined:Sep 2005	Message Posted: Feb 6, 2013 12:52:17 PM Ignore lpatti1 Report Abuse Old news but YES ANYWAY!
manaknight14 All-Star Author Pennsylvania Posts:545 Points:450,225 Joined:Oct 2011	Message Posted: Feb 6, 2013 12:41:10 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:4,671 Points:847,850 Joined:Dec 2010	Message Posted: Feb 6, 2013 12:22:27 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 All-Star Author Tacoma Posts:540 Points:1,288,515 Joined:Oct 2005	Message Posted: Feb 6, 2013 11:05:03 AM Ignore BAJALRRP Report Abuse Old
gougenator Champion Author Dallas Posts:30,026 Points:3,268,950 Joined:Aug 2003	Message Posted: Feb 6, 2013 10:21:24 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:4,530 Points:1,060,095 Joined:Jul 2008	Message Posted: Feb 6, 2013 10:18:26 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:1,375 Points:368,390 Joined:Sep 2011	Message Posted: Feb 6, 2013 10:15:01 AM Ignore Lologogo Report Abuse no
bell05 Champion Author Atlanta Posts:9,395 Points:1,901,610 Joined:Jun 2005	Message Posted: Feb 6, 2013 10:06:54 AM Ignore bell05 Report Abuse Old news.
slvrdo_dsprdo Champion Author Nashville Posts:4,782 Points:927,290 Joined:Jul 2008	Message Posted: Feb 6, 2013 10:06:06 AM Ignore slvrdo_dsprdo Report Abuse Can we change the news stories at least on a daily basis, please?
radiorumor Champion Author Texas Posts:2,941 Points:779,590 Joined:Feb 2011	Message Posted: Feb 6, 2013 10:04:13 AM Ignore radiorumor Report Abuse I shop insurance every three years to keep them honest
Amos_Moses Rookie Author Illinois Posts:81 Points:15,855 Joined:Feb 2013	Message Posted: Feb 6, 2013 10:03:49 AM Ignore Amos_Moses Report Abuse no more than they did yesterday
peanutsMN Champion Author Twin Cities Posts:1,818 Points:411,640 Joined:Jul 2011	Message Posted: Feb 6, 2013 10:03:33 AM Ignore peanutsMN Report Abuse Old news
nanu4u21 Champion Author Orange County Posts:1,183 Points:261,515 Joined:Aug 2012	Message Posted: Feb 6, 2013 10:02:52 AM Ignore nanu4u21 Report Abuse Not mine
ErnieK9LO Champion Author North Dakota Posts:2,803 Points:567,555 Joined:Nov 2010	Message Posted: Feb 6, 2013 10:00:49 AM Ignore ErnieK9LO Report Abuse The insurance world has many inside secrets.
fenster66 Champion Author Pittsburgh Posts:3,480 Points:699,840 Joined:May 2011	Message Posted: Feb 6, 2013 9:59:43 AM Ignore fenster66 Report Abuse This is definitely disturbing....
McMutt Champion Author Ontario Posts:2,220 Points:1,332,560 Joined:Nov 2007	Message Posted: Feb 6, 2013 9:56:13 AM Ignore McMutt Report Abuse Don't know?
sparkie951 Champion Author Roanoke Posts:4,309 Points:875,985 Joined:Dec 2010	Message Posted: Feb 6, 2013 9:55:46 AM Ignore sparkie951 Report Abuse Old News and Yes
rrs517 Champion Author Colorado Posts:1,055 Points:370,230 Joined:Apr 2006	Message Posted: Feb 6, 2013 9:54:53 AM Ignore rrs517 Report Abuse Auto insurance is a black hole of what we don't know.
BeaconLite Champion Author Ottawa Posts:2,070 Points:395,005 Joined:Sep 2009	Message Posted: Feb 6, 2013 9:54:41 AM Ignore BeaconLite Report Abuse Deja vu news.
KillChain Champion Author Albuquerque Posts:5,630 Points:1,554,810 Joined:Jun 2006	Message Posted: Feb 6, 2013 9:54:31 AM Ignore KillChain Report Abuse GB Blog,thanks for the post.
jdhelm Champion Author Iowa Posts:12,129 Points:1,224,765 Joined:Dec 2009	Message Posted: Feb 6, 2013 9:53:55 AM Ignore jdhelm Report Abuse old news
bart_reed Champion Author Los Angeles Posts:4,105 Points:811,380 Joined:Mar 2011	Message Posted: Feb 6, 2013 9:52:12 AM Ignore bart_reed Report Abuse The insurance world has many inside secrets.
NorthglennBill Champion Author Denver Posts:7,552 Points:1,497,695 Joined:Oct 2008	Message Posted: Feb 6, 2013 9:51:23 AM Ignore NorthglennBill Report Abuse Anything to get that extra buck out of your pocket.
zimowski Champion Author San Jose Posts:6,801 Points:1,610,215 Joined:Nov 2007	Message Posted: Feb 6, 2013 9:51:02 AM Ignore zimowski Report Abuse My safe driving record is taken into account.
Wolfwings Champion Author Delaware Posts:8,871 Points:1,802,215 Joined:May 2004	Message Posted: Feb 6, 2013 9:50:23 AM Ignore Wolfwings Report Abuse old
FMREALTOR Champion Author Florida Posts:6,536 Points:1,722,755 Joined:Jan 2007	Message Posted: Feb 6, 2013 9:49:34 AM Ignore FMREALTOR Report Abuse k
q2 Champion Author Alberta Posts:2,164 Points:405,095 Joined:Nov 2008	Message Posted: Feb 6, 2013 9:49:21 AM Ignore q2 Report Abuse old news
TheSicilian Champion Author Jacksonville Posts:5,509 Points:1,495,500 Joined:Feb 2009	Message Posted: Feb 6, 2013 9:48:14 AM Ignore TheSicilian Report Abuse lets hope not
packards42 Champion Author Washington Posts:6,535 Points:1,147,920 Joined:Feb 2005	Message Posted: Feb 6, 2013 9:47:56 AM Ignore packards42 Report Abuse No idea, but I think the answer is yes.
smqua Champion Author Cleveland Posts:1,744 Points:603,515 Joined:Mar 2011	Message Posted: Feb 6, 2013 9:46:55 AM Ignore smqua Report Abuse Risk is risk
Hypersonic All-Star Author Maryland Posts:978 Points:870,260 Joined:Aug 2008	Message Posted: Feb 6, 2013 9:46:52 AM Ignore Hypersonic Report Abuse yes
W4YAH Champion Author Florida Posts:1,218 Points:246,870 Joined:Feb 2012	Message Posted: Feb 6, 2013 9:44:54 AM Ignore W4YAH Report Abuse Nope
WTLITNG Champion Author Virginia Posts:1,967 Points:1,040,415 Joined:Dec 2008	Message Posted: Feb 6, 2013 9:44:43 AM Ignore WTLITNG Report Abuse rerun
noonedwagfan Champion Author Dayton Posts:1,095 Points:267,830 Joined:Sep 2012	Message Posted: Feb 6, 2013 9:44:03 AM Ignore noonedwagfan Report Abuse YES!!!
BackwoodsPundit Champion Author Richmond Posts:5,207 Points:1,026,740 Joined:Oct 2005	Message Posted: Feb 6, 2013 9:43:52 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:2,468 Points:2,401,170 Joined:Sep 2005	Message Posted: Feb 6, 2013 9:43:26 AM Ignore ARCO Report Abuse YES
bluebird1 Champion Author Toronto Posts:15,863 Points:3,132,900 Joined:May 2004	Message Posted: Feb 6, 2013 9:43:07 AM Ignore bluebird1 Report Abuse NOt completely, but seems to mean less than region or other factors for pricing ins.
Schlunggi Sophomore Author New Jersey Posts:105 Points:106,275 Joined:May 2012	Message Posted: Feb 6, 2013 9:42:48 AM Ignore Schlunggi Report Abuse Day old news!
CptnCanada Champion Author Saskatoon Posts:7,041 Points:919,630 Joined:Jun 2008	Message Posted: Feb 6, 2013 9:42:30 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.