The Maryland insurance commissioner has ruled that insurance companies can legally base their rates for auto policies on where a driver lives. The practice, known as territorial rating, means that city residents usually pay higher premiums than do drivers who live in the suburbs. Rural residents pay the least. The commissioner also ruled the system is reasonable because city drivers file claims more frequently than suburban and rural residents.
The Evening Sun wants to know whether you think territorial rating is fair. To register your opinion, call SUNDIAL at 783-1800 (or 268-7736 in Anne Arundel County). After you hear the greeting, you'll be asked to punch in a four-digit code on your Touch-Tone phone. The code is 4600. The results will be published tomorrow in Money Plus.
"It's Your Call" represents a sampling of opinions from certain segments of the community, but it is not balanced demographically, as would be done in a scientific public opinion poll.