This one is for those of you who don’t know, like I didn’t …
I recently received a notice in the mail telling me by Wisconsin law my insurance company has to notify me if my premiums were going up more than 25%.
Well it’s going up alright 27% to be exact!
Ouch!
Apparently some insurance companies are now figuring your premium rates are based on your credit score. So if you have a good credit score you get good rates, if not well… your rates are higher.
Okay, maybe I’m not the brightest crayon in the box, but what does my credit score have to do with how I drive?
What’s with that?
FURTHER READING:
Consumer’s Guide to Auto Insurance
Insurance Rates Expected to Increase - USAToday
Wisconsin Legislation Will Cause Auto Insurance Rate Increase - Scott Fitzgerald, Wisconsin Republican Senate Leader
Understanding How Insurance Companies Use Credit Information - Wisconsin Government Website
Wisconsin Auto Insurance May Increase - Smart Insurance
I would like to add that not all insurance companies use credit scoring to determine insurance rates, and that recent legislation by our governor and his unconstitutional associates in the Wisconsin legislator will cause the insurance rates to even go higher.
We have left the insurance company who raised our rates (and has too many restrictions in their contract) to a local insurance broker who will save our combination auto and home insurance contract – $537 per year. The contract does not have the restrictions that the other insurance company had and provides the same coverage/amount as the old. Families are struggling across America due to price increases on just about everything – making pretty much the same wages they have for the past five years. This is called inflation. This is caused primarily by government legislation, operated by those who believe that government must control every facet of one’s personal life. If you are fed up, I suggest the following:
(1) When voting, vote for the individual, not a political party from local to national elections. Make an effort to discontinue the monopoly of the two traditional political parties: Democratic and Republican. Be a responsible voter – research the candidate’s voting record. If no voting record is available, try to determine if their political ideology matches their background, character.
(2) Association does count. If the candidate is affiliated with those that have poor character, et cetera – you can count on, whether they don’t reveal it publicly or deny they agree with their associates – be wary.
(3) Primary elections are important – don’t blow it off and wait until the final runner-up candidates compete for election to office.
(4) Don’t let the media choose candidates during the primary. Anyone should have the right to be seen, heard, and participate in debates with other candidates.
(5) Don’t retain elected officials in office who haven’t performed their tasks according to the Constitution and the majority of their constituents. Don’t retain those who, after a poor record, make themselves appealing to the voters around election time.
(6) Vote for statesmen and stateswomen, experience is not always a key element when making vote decisions, but a factor would be what the person has done to obtain experience and knowledge of holding public office.
Government, those “serving” in the government, tends to blame many issues upon other entities and/or individuals, disregarding the hard fact that too often, as history shows us, “government IS the problem”.
If you want things to change, clean out Congress and replace them with sincere, dedicated, honest and constitutionally minded individuals – no matter what race, ethnic background or gender. Being the first of an American ethnic group to hold a particular office is not as important as to what type of person is being elected.
If you want “change” that will truly get America back on track – change your voting habits by self-education, qualifications, not celebrity status and get involved from local to federal affairs that certainly affect you and your personal life.
Keith Lehman, Editor