CAR INS. MORE EXPENSIVE
NORTH OF ROUTE 104?
By Chuck Wells
One of my clients told me the
other day that he had heard at work car insurance rates are
higher if you live north of Route 104.
I had never heard of this so I asked him why and the answer was
that people who live north of Route 104 must cross Route 104 to
go to work and since 104 is so dangerous (death alley), car
insurance rates would be higher.
First of all, that is not true. And the color of your car does
not influence your rates either. Where you live does make a
difference but if you live in Wayne County, the rate for an
individual insurance company will be the same. The rates for
Monroe County will be different as you would find out if you
moved. Some companies charge more and some less. If you move to
a more metropolitan area where there are more cars (an more
lawyers), your rates will probably go up. If you move to New
York City, your rates will increase about 4 times.
The biggest factor in determining your
car insurance rate is
your driving record. If you have a lot of tickets and/or
accidents, your rates will go up. Some insurance companies are
also looking at how you pay your bills as they have found
late-payers turn in more insurance claims as they are looking
for ways to pick up a few bucks. You may not get the best auto
rates if your credit is not so hot.
If you do not carry collision or comprehensive (fire, theft,
vandalism) coverages, your premium will be about the same no
matter what kind of car you have. That is because we are not
going to pay anything if you destroy your car. The rate for a
Lincoln Continental would be the same as a Chevy Corsica.
If you do need coverage on the car itself because it is new and
being financed, the kind of car does make a difference. The more
expensive the car is to repair or replace, the higher the
premium. I have also found that foreign cars cost more to insure
because they are more expensive to repair.
BAN DOOR-TO-DOOR SALES?
The New Jersey Assembly
is considering a bill banning door-to-door sales by public
school or school-sponsored organizations. This was after an
11-year-old was strangled while selling items for a P.T.A
ARIZONA SHERIFF CHARGED
Maricopa County Sheriff
Joe Arpaio has been rebuked by the Federal Justice Department
for “brutality against inmates.” Seems Sheriff Arpaio has
inmates dress in pink underwear, houses them in Army tents, and
feeds them ostrich meat.
NEW WELFARE UNION?
The Association of
Community Organizations for Reform Now (Acorn) has started a new
organization in New Jersey called the People Organizing Workfare
Workers that will enroll 10,000 welfare people who must work.
This new union of welfare people will be dedicated to improving
the working conditions of people who must now work for their
The New Jersey State Human Services Department, which runs
workfare, said participants were already guaranteed the minimum
hourly wage, health care benefits, and child-care subsidies.
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