Best Cost Car Insurance

What does good grades have to do with car insurance rates?

Isn't this discrimination based on scholastic achievement?

Public Comments

1. No, it's not. Getting good grades proves that you can be responsible. Insurance companies want to insure responsible people.
2. People who pay attention in school will pay attention other places too- like driving. statisticly anyway. I think that's what they're goin' for.
3. A little bit of discrimination.... They figure it you take enough time and responsibility in school to do well,chances are you're going to be a safe,responsible driver and thus not have accident or get tickets so you're less of a "liability"
4. Insurance is a very researched based industry based on probability. They have found that their is statistical significance that says that students who academically are successful, are less likely to be involved in claims (i.e. accidents). So no, its not discrimination, but statistical data that allows them to do it. And it benefits the consumer.
5. this is an easy one. if u have good grades then the insurance people think that u r resonsible and and will not go wild and crash a car and in ohio if u have above a 3.0 than ur insurance gets lowered. if u get bad grades then they gonna hink that since u dont care about school then he's a partyer and will most likly wreck a vehicle
6. insurance companies are in the business of discrimination. didn't you know? but i'll bet that their discount on insurance to good students are based on studies that correlate high academic achievement with responsibility and high performance behind the wheel.
7. Car insurance companies want drivers who are going to be responsible behind the wheel. Apparently, they believe that someone with good grades is being responsible and is less likely to be in an accident.
8. Yes it is! As a matter of fact, most nerds are uncoordinated and accident prone. If we are going to be subject to this type of selective pricing, then we should also be priviledged to have access to the data that supports it. My bet is that it doesn't exist! I was a C student and never had an accident or filed a claim in all my years of driving. I know several straight A students who have been involved in multiple claims. This may very well be another form of institutional racism and you have made quite an interesting point!
9. Insurers use many criteria to decide rates. All of them are based on statistical experience. People with better grades have less accidents - this is a proven fact. Same for good/bad credit, age, etc. The insurer is gambling on anyone they issue a policy to. Just like a bookie in Vegas who sets odds on a game. They use proven historical patterns to set rates.
10. I agree with 2sweet. And, just to add that it is not fair for those in bad schools with high drop out rates because students have to chance of getting to college. And, its also not fair to poorer people that have to little or no chance to go to colllege even if they can. And, being poor does not mean you are less reponsible or have more accidents. It is a different kind of discrimination. It goes back to Class and not race.
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