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Post by deathstar on Aug 21, 2014 5:46:08 GMT -5
Home come a red car requires more insurance? I miss the connection. It's a stereotype that reckless drivers have red sports cars.
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Post by Cheap Trixie on Aug 21, 2014 6:15:42 GMT -5
I think you answered your own question. IMO it is the stereotype that does it.
Also, fatter people pay more in health insurance even if they are healthy.
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Post by Tim05 on Aug 21, 2014 8:48:15 GMT -5
There is a reason. It's not just a steriotype, it's backed by statistics. Insurance companies hire actuaries that analyze their data and provide information that helps them set their rates. If they set rates higher for people that own red cars, it is because people with red cars cost them more money by filing more claims.
It is discriminatory yes, but based on facts. Same thing they base me paying higher rates than a female on. It sucks because it does not mean that I as an individual am a worse driver, just the categories I fall into.
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Post by Perfectly Imperfect on Aug 21, 2014 9:51:29 GMT -5
I think all insurance companies discriminate. Your example of overweight people is true too. Whatever gets them more money is all they care about.
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Post by Desired Apathy on Aug 21, 2014 10:18:11 GMT -5
Usually stereotypes come from somewhere and if there's data to back it up, then that's why the price is higher.
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Post by Hungry Hungry Hippo on Aug 21, 2014 12:12:02 GMT -5
So what color carries the smallest risk? White?
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Post by skeleton on Aug 21, 2014 13:14:47 GMT -5
^I've always just heard that red is bad, and the rest are grouped together.
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