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Originally Posted by Tcoat
Every one of these posts are totally irrelevant to each other!
Unless you live in the exact same neighborhood, are the exact same age, have the exact same record, and just in general are the exact same person then costs will always be different!
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To illustrate this point, when I was much younger I lived in Brooklyn, NY for a few years. In NYC, almost everything is more expensive in Manhattan than in the outer boroughs EXCEPT for insurance. At that time (mid 90s), auto insurance in Brooklyn was three times what it would cost for the same person and the same car in Manhattan.
The reason was that people in the outer boroughs actually drive their cars (and therefore get into more accidents), while people in Manhattan usually leave their cars parked and walk or ride the subway, only using the cars to get out of town occasionally. Despite the high number of fender benders in Manhattan itself, very few of them involve people who actually live in Manhattan. All the cars you see clogging up the roads are from across the bridges and tunnels.
A lot of people in Brooklyn and Queens try to get a break on their insurance by getting friends who live in Manhattan to let them use their addresses. Geico even had a separate address affadavit they would make you sign if you used a Manhattan address.
I now live in Louisiana, where my insurance doubled from what I was paying in Tennessee. That has nothing to do with my car or my driving. It has to do with the fact that Louisiana drivers are some of the worst drivers in the country and end up costing the insurance companies a lot of claims, which they pass on to Louisiana customers as higher premium. I haven't caused any accidents, yet I get to pay for all the stupid people here who have.
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Originally Posted by spicyricecake
But it does give us a general idea of what is considered outrageous... I personally want to know if I'm paying too much for my age.
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It doesn't really help, simply because most of the insurance rate calculation is completely out of your control. Like I said, my rates doubled when I moved from TN to LA. What I'm paying now in LA is reasonable for this location, but would be considered insane by people living in Nashville.