A lot of drivers probably thought they were finally getting a break when then-California Insurance Commissioner John Garamendi announced in 2005 that he was requiring insurers to stop using ZIP Codes as a main factor in determining car-insurance rates.
After all, the amount you pay for coverage should depend primarily on how you drive, not where you live.
As of last week, 46 insurers were in compliance, while 200 others were not.
"There are still a lot of customers seeing very dramatic increases in rates because of ZIP Codes," said Doug Heller, executive director of Consumer Watchdog in Santa Monica. The organization led the campaign against ZIP Code-based rates.
Victorville resident Aaron Mazria recently received a notice from his car insurer, 21st Century, informing him that his six-month premium was rising from $386 to $510, a 32% increase.
"I couldn't believe it," he told me. "I've had no accidents, no claims, no nothing. My DMV record is completely clean."
Mazria, 60, a first-grade teacher, said he called the company to demand an explanation. The service rep at first couldn't come up with one.
Then Mazria mentioned that his ZIP Code had switched from 92392 to 92395 a couple of years ago when the post office made some changes to accommodate growth in the community.
The service rep plugged Mazria's old number into the computer. Up came the old rate. She plugged in the new ZIP Code. Bingo -- new rate.
The changing of a single digit in his ZIP Code had resulted in a $124 rate increase.
"I told them they're not supposed to go by ZIP Codes any more," Mazria said. "The woman at 21st Century said they could do it if they want."
She was correct. At least for another few months.
Some insurance companies, like Allstate and Geico, were relatively quick to make ZIP Codes a secondary consideration in setting rates.
Most others, like 21st Century, are dragging their feet.
Woodland Hills-based 21st Century is owned by insurance giant American International Group. Joe Norton, an AIG spokesman, pointed out that ZIP Codes are "still an approved rating factor in California."
He said the company would file revised rates with the state by the July deadline.
In 1988, California voters passed Proposition 103, which put limits on what insurers could charge for premiums. It also required that car-insurance rates be based primarily on a person's driving record and miles driven.
Implementation of the reforms was held up for years by challenges from the insurance industry, which argued that the changes would cost it millions of dollars and unfairly discriminate against people in rural areas.