Why Are Insurance Companies Able To Discriminate? 
Imagine that I own a brand new Corvette and you own a five year old Fiat . Would you want to pay the same amount for auto insurance as me ? What if I only drove my car on Sundays and only went 20 miles and always had my mother in the seat with me , while you drove 700 miles a week on foggy dangerous roads . Should we pay the same amount ? But my mother is a previous race car driver and has three moving violations in the past 30 days . You have a perfect driving record . Should we pay the same amount ? I dont call that discrimination , I call that adjusting the risk . The insurance company calls it underwriting . 