Posted On: December 30, 2006, 7:34 pm CST

Posted By: Mica

You gotta be kidding!

You want me to pay higher premiums so that folks that make poor decisions can get insurance cheaper???

This is what insurance is about, measuring risk and insuring it as accurately as possible, and that is why companies like Progressive are winners in this game. They are a whole level above any other player in the game when it comes to know and pricing auto risks.

Tell me truthfully, should you pay the same rate as a driver with a CNI and a couple of DWIs, and three AFAs? Should you pay the same rate as a homeowner with two complete fire losses, multiple minor non-wind claims, on the coast, and in a flood zone? If you say yes, then I can only say that you are not responding to logical arguments.

Governments and courts decide what are "fair" risk criteria. Any company that does not use these criteria to the fullest extent of the law is endangering the company.

What you are proposing is that we get rid of insurance agents and companies and all submit to a government pool so that we get the same rate for insurance....I think thats called communism or some kind of ism, but not America. This is a land of choices and repercussions and insurance rates are a free market form of repercussion.