Posted On: April 28, 2006, 6:45 pm CDT

Posted By: Reality Check

Unfortunately, depending on an individual insurer's actual volume of business in a given zipcode or county, the rate may be inadequately skewed (due to premium vs losses paid). However, the fact is that in LA and SF and others, the risk of financial loss is greater than that of us in the central San Joaquin valley. That's why we chose to live here. We don't believe LA or SF deserve our water. They choose to live there...let them build their own reservoirs. We don't have Earthquake exposures, why should we subsidize people who do? Same thing goes for auto insurance. Their cost of living is higher(which includes cost of repair, medical, and lost wage exposure). Let's not bring back the USSR like Garamendi would have it!