Many major insurers use non-driving factors, such as education, occupation and lack of previous insurance in setting prices, and a majority of Americans think that’s unfair, according to results of a Consumer Federation of America (CFA) survey.

“If you are single, not married; a high school graduate, not a college graduate; a clerical worker, not a professional; a renter, not a homeowner; a resident of a moderate-income, not a high-income area, and have a 15-day break in your insurance coverage, your premiums – except at State Farm – were usually at least double,” and potentially four times greater than someone with the same driving record and credit score, but different demographic, said Stephen Brobeck, executive director of CFA during the association’s press teleconference: “New Analysis of Factors in Auto Insurance Rate Setting and Consumer Attitude Survey of Rate Setting Fairness.”

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