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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.


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 fund-raiser.


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.


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 government money.

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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