M*******y
发帖数: 102 | 1 报道一
http://dailynews.sina.com/gb/news/usa/uslocal/singtao/20120804/
加州汽车保险费 居全国第八低
http://news.sina.com 2012年08月04日 09:09 星岛日报
在房地产、税金和汽油方面，加州是众所公认的生活费昂贵之州，唯独汽车保险费
却十分低廉。
CarInsuranceQuotes.com依据每州的家庭中位收入除以汽车保险费的中位值，得出
令人意外的结果—加州竟是全美汽车保险耗费第八低的州。
密西根州全国最贵
密西根州是汽车业重镇，根据该计算方法，家庭的汽车保险耗费最为昂贵。
加州每户家庭每年支付的汽车保险费中位值为1304元，或佔家庭中位收入的1.99%
。相比密西根州的年保费中位值高达4490元，佔家庭中位收入的8%。
与各州法律有关
CarInsuranceQuotes.com的伊根（John Egan）表示，各州法律差异颇大，密西根
州汽车保险费昂贵的原因，在于该州保证无限人身伤害保护。
根据计算，马萨诸塞州的汽车保险耗费最低，只佔家庭年中位收入的1.434%。其他
低耗费的州依序为北卡罗莱纳、夏威夷、阿拉斯加及俄勒冈等州。跟在密西根州之后的
高耗费州，则为路易斯安纳、肯塔基、西维珍尼亚及密西西比等州。
报道二
http://www.cnbc.com/id/100564898
Most (and Least) Expensive States for Car Insurance
The price two different motorists will pay for auto insurance is likely to
vary, sometimes wildly, and factors such as the vehicle you drive, as well
as your driving record, can have a big influence on what you'll shell out
for coverage.
But another critical factor is where you live. Insurance coverage in
Louisiana, for example, averages nearly three times as much for the average
motorist, $2,699 a year in the Bayou State compared to just $934 for those
living "down East."
"Louisiana can't catch a break," said Amy Danise, editorial director of
Insure.com, which just completed its annual survey of national insurance
costs.
Louisiana is "consistently at the top of our rankings," she said. "One way
to mitigate the rate pain is to buy the cheapest car to insure in the state,
which is the Jeep Patriot Sport in Louisiana. The worst choice would be a
Mercedes-Benz S65 AMG sedan, which carries the highest rates in Louisiana."
The numbers from the new survey actually don't reveal the full extent of how
insurance can vary by location. Residents of big cities, such as New
Orleans, pay even bigger premiums than those living in most suburban and
rural areas.
But even in relatively low-cost regions, motorists are often penalized for
driving the "wrong" vehicle, cars, trucks or crossovers that insurance
companies consider to be high-risk. A Mercedes-Benz CL65 AMG coupe
registered in Oregon will have the highest bill in the country, according to
the new survey, at $5,687 annually. That's about four times as much as the
average $1,387 cost of insuring a car in Oregon.
At the other extreme, Insure.com found you'll only pay $698 to cover a
Toyota Tacoma pickup in Wyoming – or less than half the state's average $1,
496.
According to the survey, the 10 most expensive states are:
1. Louisiana – $2,699
2. Michigan – $2,520
3. Georgia – $2,155
4. Oklahoma – $2,074
5. Washington, D.C. – $2,006
6. Montana – $1,914
7. California – $1,819
8. West Virginia – $1,816
9. Rhode Island – $1,735
10. Kentucky – $1,725
At the other extreme, these are the 10 least expensive of the 50 states and
the District of Columbia:
42. Arizona – $1,227
43. Washington – $1,226
44. Indiana – $1,183
45. Vermont – $1,176
46. Idaho – $1,133
47. New Hampshire – $1,112
48. Ohio – $1,106
48. North Carolina – $1,085
50. Iowa – $1,028
51. Maine – $934
Why are some states at the top of the list? According to Danise, "A high
portion of Louisiana drivers who are in accidents file bodily injury claims.
Also, car accident lawsuits for less than $50,000 go before elected judges
rather than juries, and the elected judges are seen as siding with consumers
more than the insurance companies."
She also notes that in Michigan, second on the list, residents are paying a
steep penalty for the state's expansive medical care clause, which can
ensure an unlimited, lifetime personal injury coverage for those involved in
a collision. That adds an estimated $175 annually to the cost of a Michigan
policy.
At the other extreme, Maine benefits from its largely rural nature which
tends to mean lower claims. The state has also benefited from a graduated
licensing program that has reduced crashes among younger drivers. | x*******u
发帖数: 500 | 2 只是好奇我们中有多少人的年保费达4490元。 我家两个全保一年才1400. | c*****d
发帖数: 841 | 3 可能密州家庭汽车拥有量比其他州多（起码不少老爷车），调查可能只是以家庭为单位
。 | b*******r
发帖数: 1130 | 4 我的保费一年不到500。。。
严重拉低MI的平均水平了 |
|
