Quote:
Originally Posted by MarchHare
I'm 28, married, and have 12 years of clean driving history, so my auto insurance premiums aren't that pricey, but I was always annoyed that young single males who are safe drivers are unfairly punished because of statistics that show their peers are more likely to drive recklessly than married females.
I recall reading a report a few years ago about how the California State Highway Patrol did an analysis of their data and discovered that black and latino males accounted for a disproportionate number of traffic offenses. Their response was to develop a safe driving program specifically targeted to reach those ethnic groups.
That's all well and good, but if those groups are statistically worse drivers, why aren't they charged a higher insurance premium than white males, who, based on the data, are safer drivers on average? Obviously if the insurance companies were to do that, they'd be accused of discriminatory racist practices and subjected to all kinds of bad publicity...yet they can continue to discriminate against unmarried males (of all ethnic groups) and nobody complains?
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There's a big difference between doing a study on ethnic groups and actually implementing a price structure based on ethnicity.
So no discount for you, whitie