Alina Tugend:

IT’S no surprise that car accidents, speeding tickets and where you live all affect how much you pay for automobile insurance. But consumer groups say that other, apparently unrelated, factors are unfairly being used to set rates.
 Two organizations, the Consumer Federation of America and the New York Public Interest Research Group, have released separate reports contending that the factors insurance companies are using to determine rates — like educational level and occupation — are detrimental to consumers, especially to low-income customers.
 And J. Robert Hunter, a former Texas insurance commissioner and now director of insurance for the consumer federation, said insurers were increasingly using pricing models to raise the cost of auto insurance for some groups of people who are unlikely to change insurers, even if their premiums go up.