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Old 08-10-2017, 03:06 PM
 
1 posts, read 278 times
Reputation: 10

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Liberty Mutual increased my premium by $1200.00. Neither mysel or my wife have had a ticket or accident in over 30 years. Plus we are both now 65+. One agent said its the fault of the state, another agent said no it's not the state it's just because if statistics. The only statistic that has changed is more African Americans and Hispanics have moved in displacing a percentage of Whites Isn't that Racial Discriminatiom? And is it legal?
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Old 08-10-2017, 03:15 PM
 
11,763 posts, read 13,666,984 times
Reputation: 15649
I am also 65+, and my insurance premium keeps dropping by a few bucks year-by-year, so there is clearly something else that is impacting your insurance premium, rather than age. And, I have a hard time believing that your personal situation is evidence of "discriminatiom".

Most people should shop-around every few years for better car insurance rates, so if you haven't done that, then you need to do it. And, if you can qualify for NJM insurance, that is probably the best company with which to insure your car(s) and home.
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Old 08-10-2017, 03:18 PM
 
Location: Holmdel, NJ
20,680 posts, read 25,575,971 times
Reputation: 12674
Quote:
Originally Posted by Ricardo Mariano View Post
Liberty Mutual increased my premium by $1200.00. Neither mysel or my wife have had a ticket or accident in over 30 years. Plus we are both now 65+. One agent said its the fault of the state, another agent said no it's not the state it's just because if statistics. The only statistic that has changed is more African Americans and Hispanics have moved in displacing a percentage of Whites Isn't that Racial Discriminatiom? And is it legal?
please explain this racial discrimination case further. are you white and think blacks and hispanics are causing your insurance rates to go up>
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Old 08-10-2017, 03:21 PM
 
1,995 posts, read 1,162,747 times
Reputation: 1445
You may be into an age where people get into more car accidents as well, check up on which statistics in the tables they're looking at, there's a lot more stuff in there than race. Maybe you used to smoke or drink or aren't religious or got a different car type or any of the hundreds of statistics they've plugged in over the past hundred years about people.

You could shop around and find a better rate and let them know and see what they do.
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Old 08-10-2017, 03:29 PM
 
941 posts, read 2,102,294 times
Reputation: 811
Shop around. I had Allstate for 25 years with a clean driving record. They started raising my rates significantly the last few years I had them, and I decided the rate was too high. Compound that with the fact that I nearly had my car "carnapped" by an unscrupulous tow truck driver affiliated with their roadside (non-)assistance program after my transmission blew on the Garden State Parkway, and that was enough for me. I switched to Geico 2 1/2 years ago, and I'm paying about $500 a year less for better coverage.

As far as discrimination, well, sadly, there may be a possibility that it's a factor to some degree, but how are you going to prove it? All the insurance company has to say is that the people moving in are higher risk due to lower income, lower levels of education, driving older cars, etc. None of those factors would be considered discrimination, as the argument would be that those things can be changed.
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Old 08-10-2017, 04:47 PM
 
8,444 posts, read 1,875,299 times
Reputation: 2886
Quote:
Originally Posted by Ricardo Mariano View Post
Liberty Mutual increased my premium by $1200.00. Neither mysel or my wife have had a ticket or accident in over 30 years. Plus we are both now 65+. One agent said its the fault of the state, another agent said no it's not the state it's just because if statistics. The only statistic that has changed is more African Americans and Hispanics have moved in displacing a percentage of Whites Isn't that Racial Discriminatiom? And is it legal?

Shop around.
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Old 08-10-2017, 06:13 PM
 
Location: NJ & NV
5,070 posts, read 10,950,825 times
Reputation: 1806
I had Liberated Mutilations a few years back and switched when they hiked my premium too much.

Recently I switched to Allstate and they quoted me one figure but as soon as I switched cars the darn thing went up about 50% higher so when I get a chance gonna have to dump them too.
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Old 08-10-2017, 06:22 PM
 
Location: New Jersey
7,436 posts, read 10,780,091 times
Reputation: 6453
Ditto with NJM.
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