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Factors in setting auto insurance rates

July 15, 2006

Re "Major Shift in Auto Policies," July 10

The setting of auto insurance rates based on how safely and how much customers drive was in place in Sweden in the 1960s when I worked there. It was wonderful to see my premiums decrease with each year of accident-free driving. It is intriguing that Sweden, with a population about the same as L.A. County, could set rates that we are just now, 40 years later, about to enjoy.

C. RAY CARLSON

Altadena

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Proposition 103 was about fairly pricing insurance. Insurance rates should be based on the likelihood of having an accident. Age, driving history and ZIP Codes are the top three factors in that determination. It is not fair to now penalize primarily rural drivers by eliminating ZIP Codes as a factor.

JIM KETCHAM

Malibu

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