Why driving fewer miles may not lead to lower auto premiums

 

Source: Ann Carrns, N.Y.Times ( Paid Registration )

People who don’t drive much are generally at lower risk for traffic accidents, but they may not always get big discounts from auto insurers, according to a new analysis.

Insurance companies often emphasize a driver’s personal characteristics, such as marital status and credit score, rather than other risk indicators, like the annual mileage driven, said Consumer Federation of America's J. Robert Hunter, a former state insurance regulator. “How well you drive and how much you drive” should be the main factors considered in setting premiums, he said.

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