Was an Increase in Liability Insurance Premiums an Example of Structural Racism?

Around 2000, I moved from one apartment complex in Indianapolis. I had the lowest permissible level of car insurance while I lived in Indiana, liability coverage only.

My premium increased when I moved. When I asked my insurance company (Allstate), the representative told me that the state regulatory agency allowed this price increase based on my new zip code.

If I had comprehensive coverage, I perhaps could understand a premium increase (although I felt as safe in both locations). But why should a change in zip code result in an increase in premium for automobile liability coverage?

A higher percentage of the residents near my new apartment were African-Americans. Is my experience an example of structural racism?

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Bosses in USA Got Labor So Beaten Down Employee Has to Show Up with a Unicorn to Get 3 Weeks Paid Vacation

I saw this commercial recently:

This special USA employee, after having a unicorn crash into the office, managed to get her paid vacation increased from 2 weeks to 3 weeks. Continue reading