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This is a circle that is going on for very long I think. People with private locked garage will also have better ratings in general. Wealthier places will also
by hrktb 7y ago
This is a circle that is going on for very long I think.
People with private locked garage will also have better ratings in general. Wealthier places will also invest more in road maintenance and limiting accident factors (for instance having a ton more protective equipment near school zones, investing in underground parking near shopping areas etc.)
In general I feel that trying to legally screen info from insurance is a lost proposition, as they have all the data in the world and find a proxy for that info anyway.
- leetcrew 7y ago> People with private locked garage will also have better ratings in general. this doesn't help much in my experience. my insurance company doesn't even have a field to tell them whether you keep your car in a garage.
- hrktb 7y agoInteresting. It might depend on the plan, we have a vandalism protection option (in-car theft, window breaking, tire damage etc.) so the insurance company has all the incentive in the world to know where and how it would be parked at night.
- leetcrew 7y agoyou're probably right that it depends on the specific coverage. I recently moved to an apartment with an access controlled garage so I did some research to see how this would affect my premiums. in general I found that it doesn't do much for your overall premiums. I don't think my car insurance offers vandalism protection specifically, although I certainly hope it falls at least partially into some other category! I can certainly imagine that the company would change the price of that specific coverage quite a bit depending on where the vehicle is parked.
- perl4ever 7y agoThere is insurance for cars that are rarely driven, e.g. collector/classic cars, that requires your car to be in an individual garage.