17 Oct '11, 11pm

Americans Are Driving Less But Paying More for Insurance: What Gives?

It may seem counterintuitive, but just as Americans are driving substantially less (indeed, the fewest miles since 2003 ), auto insurance premiums countinue to rise. Smartmoney.com reports in "Hey Flo: Where's My Insurance Discount?" that according to the Insurance Information Institute, companies have raised their rates by an average of 10% from 2008 to 2010, and may raise them another 4% on average this year. Now, you may ask why we are paying more for auto insurance when we're spending less time actually, y'know, driving ? Well, industry representatives point to two primary causes: the rising costs of medical care related to claims, and the high number of uninsured drivers. Fortunately, there's an approach to auto insurance that can help lower costs not only for drivers but for insurance companies: Pay As You Drive (PAYD) insurance . By tying premiums directly to the nu...

Full article: http://switchboard.nrdc.org/blogs/jhorner/americans_are_d...

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