THIS STORY HAS BEEN FORMATTED FOR EASY PRINTING
IN PRAISE OF ‘PAY AS YOU DRIVE’ AUTO PREMIUMS

Factor makes more sense than others

January 19, 2011

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I FAIL to see the logic in your Jan. 13 editorial criticizing the idea that low-mileage drivers should pay lower auto insurance. The editorial claims “no direct connection between miles driven and risk of accidents.’’ Nonsense. While other factors certainly come into play, my guess is that for most people, miles driven is the biggest single factor. That’s more “direct’’ than living in all but a few high-premium areas.

My auto insurance is high because I live in Revere, even though I do not regularly commute to work, I drive less than 8,000 miles a year (almost all of which are highway miles), and I keep my car in a video-monitored garage. I’ve had no moving violations, and have had only one accident, judged the fault of the other driver, in 47 years of driving. And that was on a trip to Connecticut. The current discounts for my circumstance and clean record don’t come close to balancing the artificially high base rate for Revere.

I filled my tank just 14 times last year, paying almost three times as much for insurance as for gas. Nice to know the Globe wants me to keep subsidizing that hypothetical carpenter living in Dorchester and working on Cape Cod.

Steven S. Ross
Revere