The price war of rbc auto insurance isn’t benefiting all consumers equally. Consumer advocates declare urban residents, mainly those in low-income neighborhoods, still have to pay a lot.Consumers have “probably benefited overall, but your ZIP Code still counts the most,” said Gina Calabrese, senior counsel for the Santa Monica-based Proposition 103 Enforcement Project, an advocacy group pushing for insurance reforms. “It’s an exasperating and unfair practice, especially for people who are just trying to make it.”California’s price war reflects a national trend toward lower rates, as safer cars and safer drivers reduce insurance claims, and while smaller, aggressive companies seek to expand their share of the auto market, insurance experts say.An aging population means less accidents as baby boomers slow down and take less driving risks.