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If you strike up a conversation with somebody about their auto insurance rates, you’ll no doubt hear that person complain on and on about how they should be paying less for their insurance. Sure, everybody wants to save some money here and there, but most of these people have no idea of how much some of us are really paying. If you’re over the age of twenty-five and under the age of seventy, you are probably paying a fair and understandable rate. If you’re young or old, though, then you have real reason to complain.

New drivers come out of the gate with high insurance premiums. Yeah, this is understandable in a way but it still isn’t that fair. But it gets worse: If you’re a male under the age of 25, your rates are sky-high. Why isn’t it the same if you’re a girl? While there are studies that say males are more likely to get in a wreck than women, many of these studies are old. It isn’t right for the insurance companies to keep basing their pricing on these statistics because even more recent statistics are suggesting that men are getting in fewer accidents these days and women are getting in more accidents.

How about senior citizens? Sure, once you’re over seventy you’re more likely to be in a wreck but I know plenty of old people who have all their mental faculties. I know old people who can drive better than thirty year olds. And yet these people still have to pay more for their insurance just because they’re older!

How about this: Some insurance companies charge you more depending on the zip code in which you live. If your zip code has a higher crime rate, you’ll have to pay more for insurance. If your zip code has a high population of young people, you have to pay a higher rate. This is basically assuming that your car will be stolen if you live in a crime-filled zip code and you’ll get in a wreck if you live by young people.

This is absolutely ridiculous and, in regard to the crime-filled zip codes, closet racism. California recently made it illegal for auto insurance companies to change rates depending on zip codes but many states still allow this practice. Someday honest citizens will band together and demand more fairness from auto insurance providers. But until that day comes, many groups will still be discriminated against and treated unfairly.