Access to affordable auto insurance is crucial for many consumers who rely on their cars to get to work. This is particularly true for many consumers in low- and moderate-income communities who have to travel long distances to work without access to public transportation. Nearly every state requires drivers to purchase liability coverage, while lenders require borrowers to purchase physical damage coverage. Many states spend significant resources to track whether consumers have required insurance in place and impose harsh penalties for driving without insurance. Lenders force place expense insurance if borrowers fail to maintain required insurance. Despite the mandates to purchase, and the penalties for failing to purchase auto insurance, states do relatively little to help low- and moderate-income consumers afford auto insurance. Insurers work hard to prevent public access to data on auto insurance availability and affordability. However, numerous studies over the years have found auto insurance redlining. In years past, as shown in The Center for Economic Justice redlining studies from the mid-1990’s, insurers simply avoided offering insurance in low-income and minority communities. Today, the redlining has become more sophisticated, using a variety of so-called rating factors based on socioeconomic characteristics of the consumer, including education, occupation and credit scores. CEJ stands against these practices which disadvantage consumers in low- and moderate-income and minority communities by fighting unfair pricing practices and unfair force-placed insurance practices.
| Name | Downloads | Version | Owner | Last Modified | Rating |
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| Name | Downloads | Version | Owner | Last Modified | Rating |
| 769 downloads | 1.0 | Dana Glass | 2017-09-05 21:03 | ||
| 906 downloads | 1.0 | Dana Glass | 2017-08-14 21:02 | ||
| 744 downloads | 1.0 | Dana Glass | 2017-07-31 21:03 | ||
| 757 downloads | 1.0 | Dana Glass | 2017-03-05 13:23 | ||
| 702 downloads | 1.0 | Dana Glass | 2017-01-31 13:19 | ||
| 764 downloads | 1.0 | Dana Glass | 2016-08-19 13:18 | ||
| 682 downloads | 1.0 | Dana Glass | 2016-03-16 13:46 | ||
| 754 downloads | 1.0 | Dana Glass | 2016-02-01 13:25 | ||
| 765 downloads | 1.0 | Dana Glass | 2015-11-19 13:22 | ||
| 758 downloads | 1.0 | Dana Glass | 2015-08-17 13:26 | ||
| 769 downloads | 1.0 | Dana Glass | 2014-06-09 13:12 | ||
| 756 downloads | 1.0 | Dana Glass | 2014-05-01 13:09 | ||
| 692 downloads | 1.0 | Dana Glass | 2010-08-15 13:11 | ||
| 770 downloads | 1.0 | Dana Glass | 2007-09-20 13:44 | ||
| 731 downloads | 1.0 | Dana Glass | 1999-08-01 13:30 | ||
| 737 downloads | 1.0 | Dana Glass | 1999-04-01 13:35 | ||
| 664 downloads | 1.0 | Dana Glass | 1998-09-01 13:33 | ||
| 861 downloads | 1.0 | Dana Glass | 1997-05-01 13:42 | ||
| 820 downloads | 1.0 | Dana Glass | 1997-04-01 13:37 | ||
CEJ Comments to NAIC on Auto Study Group Data Collection 170905 - cu_cfa_cej_naicletter_autoaffordability_170905.pdf