Auto insurance

It's your call

December 19, 1990

Callers to The Evening Sun's SUNDIAL favor the territorial rating system by which insurance companies can base their rates for auto policies on where a driver lives.

Of the 914 callers to SUNDIAL, 61 percent (558 callers) said that territorial rating is fair while 39 percent (356 callers) opposed the system, saying it is unfair.

The Maryland insurance commissioner this week ruled that insurance companies can legally use territorial rating. The practice 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.

"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.

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