"...some major insurers charge minority neighborhoods as much as 30 percent more than other areas with similar accident costs" If this effect is true, any ins

"...some major insurers charge minority neighborhoods as much as 30 percent more than other areas with similar accident costs" If this effect is true, any insurance company can make a many millions by charging these neighborhoods 10% less than the competition (which is still 20% more income per policy ), for the same payout rate. Given that this apparently has not happened yet, I wonder if there is some other factors involved. For example my car insurance policy has a discount because my house insurance policy is with the same company. In addition most companies give multicar discounts as well. Heck, I also get a good discount for paying in six month chunks, rather than monthly. Could the effect in the article just be that white people tend to own more cars per household, tend to have a higher rate of owning their own houses, and tend to pay in longer was than monthly?