What drives insurance rates?
<h3>Commissioner John Garamendi wants to pin poor drivers; companies defend ZIP code method</h3><p class="source">The San Diego Union-Tribune</p>
<p>Doug Heller, a longtime insurance industry critic who heads the Foundation for Taxpayer and Consumer Rights in Santa Monica, said that good urban drivers are subsidizing bad rural drivers with their higher insurance rates."It's outrageous that drivers who cause accidents pay less than a good driver like me, just because they have different ZIP codes," Heller said. </p>
