I think you’re focusing on the wrong thing. I could be reading too much into this article, but they used some very strange word choices is this “study”, which leads me to believe we have to read between the lines, such as:

Geez, not everything is racism. Could there possibly be more crime in a certain area? More people who don’t care much and get into accidents all the time? etc, etc?

Damn I want BBQ now.

Also, just to clarify something: Texas BBQ etiquette dictates that sauce should not be added to meat unless specifically asked. The idea is that good BBQ’d meat doesn’t need sauce to ruin the natural flavor. Adding BBQ sauce onto this situation would be a more KC thing.

I think California, being mostly liberal, has the tendency to overreact to things it is not used to. The gun laws are riddled with flaws—clearly motivated by fear/ignorance and written by those who didn’t even bother to research and learn the subject. Like how a rifle, possessing a pistol grip, is considered to be far…

First off, this is an awesome solution to this problem: quick, easy, pragmatic, amusing ,and perfect for Texas - how does this not just make you smile? While I generally love the commenters here, there is an increasing softness/appallability (yes, I just made that word up) factor here. The PC factor and desire to be…

Ah. Okay, that makes more sense now. I’d be willing to bet that a.) He’s not security (just looking at what the guy’s wearing, he appears to be site maintenance) and b.) He’s carrying at his own discretion. While there are a number of employers who demand that employees not carry, I could see a race track (or anywhere…

Agreed. “Minority neighborhoods” are usually shit parts of town, so there is likely more theft and vandalism and hence higher premiums.

Good thing your opinion literally could not matter any less. Please, just go home. You’re welcome to stay but it will be nicer with you gone.

This one weird factor being removed from our study allows us to declare racism!

“I have a hard time believing that the actuaries are intentionally adjusting their data to change the premiums in minority neighborhoods. Could there be something in the actuarial models that does not show up in the profile Consumer Reports and Pro Publica are using?”

Based on the source article, it doesn’t say anything about car thefts.

Having lived in a few of those higher cost neighborhoods my off the cuff guess would be they may have the same accident rates, but the likely hood of theft and vandalism is probably higher. I know when I moved from Potrero Hill to the Outer Richmond my car insurance dropped like forty percent. My 4Runner was broken…

As someone who works in the banking industry right on the edge of a very low income and very high income neighborhood, I can offer a very anecdotal reason as to why that is. Very few people who live in low income neighborhoods are ever taught how to manage money. They don’t have traditional bank accounts, they don’t…

Don’t have the time to read through that ATM, but do theft claims count as accident claims for the purposes of the study? The first few paragraphs lead me to believe that they’re not taking theft into consideration, though it’s not overly clear. Right, wrong, or indifferent, the majority minority population…

I have a hard time believing that the actuaries are intentionally adjusting their data to change the premiums in minority neighborhoods. Could there be something in the actuarial models that does not show up in the profile Consumer Reports and Pro Publica are using?

Yes, your 2001 Century has everything to do with a car made 17 years later.

But it is! Holy shit! And it’s gorgeous!

Because the Volvo is in a different size and price bracket.