skip to Main Content
Stay in Touch  
Subscribe

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
Name Downloads Version Owner Last Modified Rating
489 downloads 1.0 Dana Glass 2017-09-05 21:03
623 downloads 1.0 Dana Glass 2017-08-14 21:02
446 downloads 1.0 Dana Glass 2017-07-31 21:03
494 downloads 1.0 Dana Glass 2017-03-05 13:23
444 downloads 1.0 Dana Glass 2017-01-31 13:19
488 downloads 1.0 Dana Glass 2016-08-19 13:18
449 downloads 1.0 Dana Glass 2016-03-16 13:46
488 downloads 1.0 Dana Glass 2016-02-01 13:25
497 downloads 1.0 Dana Glass 2015-11-19 13:22
476 downloads 1.0 Dana Glass 2015-08-17 13:26
495 downloads 1.0 Dana Glass 2014-06-09 13:12
469 downloads 1.0 Dana Glass 2014-05-01 13:09
442 downloads 1.0 Dana Glass 2010-08-15 13:11
514 downloads 1.0 Dana Glass 2007-09-20 13:44
469 downloads 1.0 Dana Glass 1999-08-01 13:30
451 downloads 1.0 Dana Glass 1999-04-01 13:35
433 downloads 1.0 Dana Glass 1998-09-01 13:33
585 downloads 1.0 Dana Glass 1997-05-01 13:42
535 downloads 1.0 Dana Glass 1997-04-01 13:37
Back To Top