A report from the Consumer Federation of America says that some big insurers use consumers' education and occupation in determining auto coverage rates, factors that the group called discriminatory and unfair. Insurance Information Institute President Robert Hartwig said that many factors are used in setting insurance rates, and he argued for the use of correlation. "Why would an insurer collect data that is not useful? These factors are used for one reason and one reason only, and that's to ascertain risk," he said.
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