Different auto insurance companies cater to different demographics, which is what makes shopping for auto insurance such a personalized experience.
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GEICO and Progressive “underwrite” auto insurance as auto insurance companies, which means they collect your insurance premiums and write the actual check if you have a covered claim.
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good drivers living in a mostly African American zip code end up paying more on their auto insurance premiums than similar drivers living in mostly white neighborhoods do. The higher rates are passed.
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