Meet "Sally" and "Suzy": These 30-year-old twin sisters are identical in nearly every way. Both women live in Louisville, Kentucky. They're both employed full time, have stellar driving records, decent credit ratings and no lapses in car insurance coverage. They even drive twin 2005 Honda Civics – same color, make, model and mileage.
Sally pays $2,408 a year for car insurance – to get a policy providing theminimum coverage required by Kentucky – through Farmers Insurance. Meanwhile, Suzy pays Farmers $1,640 for the exact same coverage. So why is Sally paying 47 percent more than Suzy for the same insurance?