Best Cost Car Insurance

Should we classify people by race to determine car insurance rates?

We do it by age and sex. Why not race? Health insurance companies classify people by race when calculating risk. Is any of this appropriate?

Public Comments

1. no by age we classifier how experienced the driver is. I disagree with the male and female thing.
2. NO
3. Thats a funny question !!! I agree, I know what you are thinking....
4. if u are a bad driver doesnt matter if ur black.. white... yellow.. the age is comprehensible cuz of the mature of the driver.. and sex.. because woman tend to be more careful. race not
5. No, I'm Asian!
6. No, because there are no differences in accidents rates by race, other than what is already accounted for by zip code. It's also illegal.
7. Some races are more susceptible to certain disease than others, so that makes sense. I think there would be a huge outcry if car insurance rates were gauged by race.
8. No. Absolutely not. It's not appropriate in any forum, so how is the health insurance industry allowed a double standard?
9. Insurance rates are calculated by age mostly for experience purposes. They are also classified by location,. If you live in a high-risk location, your rates are higher. It also depends on what type of vehicle you use and what you use it for. Sex and race should not come into play in this case, that would be discrimination.
10. No one should determine anyone race.
11. I think classifying people by race would be racist. It serves no purpose in determining risk the way classifying people by the neighborhood they live in. Classifying them by age and sex helps determine some of the risks. For health insurance, a person's race helps identify certain diseases/conditions predetermined by that particular group.
12. Insurance should be priced by individual performance, as should everything else.
13. I think that it is that way. The saying 'Justice is blind' does not have anything to do with buisness. Buisness is NOT blind. If they are offering insurance to an inner city area, they know what kind of neighborhood they are in. They could have an incident report to tell them that accidents are more common - for whatever reason, and the likelyhood that it will affect their profit margin more probable. So they adjust their insurance premium in that area, especially if they have a reason to believe that a certain 'type' of person is 'high risk.' I'm not saying that it is right, but I have been around, you know.
14. i think that may be classed as being racist.