So the car insurance companies just do whatever the hell they want to?

[Lowell]

It is almost criminal what the insurers get away with with their redlining.

Auto insurance should be considered a tax since it is required and fall under Headlee-like restrictions and legislative oversight, at the least. Their books should be opened and true costs analyzed.

They are killing the older impoverished cities as much as anything.

Their unrestricted policies are certain to be causing population undercount in Detroit and other disadvantaged cities as many who live there will adopt friend or family addresses in other lower rate areas depriving the CofD of tax, revenue sharing portions, legislative representation and more.

IMO the entire state should be put in in one rate district with rates modified only by driving records. If the insurers bitch the state should go into the business against them.

[Hermod]

It is almost criminal what the insurers get away with with their redlining.

Auto insurance should be considered a tax since it is required and fall under Headlee-like restrictions and legislative oversight, at the least. Their books should be opened and true costs analyzed.

They are killing the older impoverished cities as much as anything.

Their unrestricted policies are certain to be causing population undercount in Detroit and other disadvantaged cities as many who live there will adopt friend or family addresses in other lower rate areas depriving the CofD of tax, revenue sharing portions, legislative representation and more.

IMO the entire state should be put in in one rate district with rates modified only by driving records. If the insurers bitch the state should go into the business against them.

Or conversely, the population of the "redlined" area could become such careful, considerate, and safe drivers that their rates are lower than any other area's rates.

My rates for comprehensive [[fire and theft) insurance here in SE Florida are high because the local immigrants can have my car in a container on a ship and on the way to South America in a heartbeat. Should northern drivers have to suffer higher comprehensive rates bacause of that?

Maybe with homeowners insurance you would like to pay a share of my $22K a year in windstorm insurance.