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At CURE, we don’t need reform to do what’s right. We have never used education, occupation or credit score to determine car insurance rates and advocate against others who do. Why? Because CURE believes everyone deserves affordable car insurance based primarily on their driving record.

Education, Occupation, and Credit Score
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Education, Occupation, and Credit Score
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All New Jersey Drivers Deserve Transparency and Trust

The author points to several laws that were clearly created to help protect lower income drivers and prevent car insurers from surreptitiously and unfairly discriminating against unsuspecting consumers, but which simply no longer have any teeth. Like most other states that mandate car insurance, the New Jersey legislature has language in place to protect consumers from rating factors that are unfairly discriminatory.

The Half-Pregnant Public Policy on Car Insurance Rates

In my recent Law Journal article, "A Dirty Little Secret in Car Insurance: Can lawyers Lead a Change?" I explained the little-known practice of using income proxies in car insurance in New Jersey. Specifically, it brought to light the dirty secret that many of the publicly traded insurance companies, including those with very familiar household names, charge significantly high- er rates to drivers with spotless driving records simply because they have lower paying jobs, are unemployed, or don’t have at least a college degree, a credit score above 700, or own a home.