I have had experiences with most of the above in my lifetime. I particularly recall dealing with one of those insurance companies- with the Sales manager telling me that I would have to pay a different rate because of the zip code listed with my address. I lived in North St. Louis with family at the time (many years ago). To translate what the Sales manager was telling me- He was basically saying that because I was poor and Black, my rate would be different from most of his other clients. The high rate was the best rate that he could offer me, because after all, I was different. I was not being judged as an individual....by my driving record, but instead, I was being judged by my circumstances and by the zip code I lived in.
I had similar experiences when I tried to purchase my first vehicle. I had one offer for a 30+% interest rate. This was after I was lied to over the phone by the salesman as a way to get me to come in (wasting my money on the cab fare). It's a bitch being poor.... Luckily...I am slowly but surely pulling myself up by my own bootstraps.... that's despite not having much of a bootstrap to pull on to begin with.
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