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Buying beer is legal. Driving while sober is legal. Assuming you have no record of driving drunk, any such alleged correlation should not be used to inflate ins

Buying beer is legal. Driving while sober is legal. Assuming you have no record of driving drunk, any such alleged correlation should not be used to inflate insurance rates, unless you're also willing to say that other correlations of increased risk are also fair game, even if they're based on race or sexual orientation or income or education level or politics or any other characteristic that can be measured and grouped into risk categories. One of the tendencies of the neo-puritanism that has become prominent in the last decade is a real willingness to abandon any boundaries that have kept corporations from using certain kinds of information against individuals -- boundaries that were in large part legislated during the civil rights era.

jonfw 7y ago
It's not illegal to be a male, and my insurance premium still raises because of it. It's the job of the insurance company to accurately assess risk and charge me that plus their margin. If the companies can more accurately assess risk, than that makes insurance a less volatile and therefore cheaper market. Insurance companies don't have access to the actual root causes of accidents. They have no measure of my driving skill or risk tolerance or attention span. They just estimate based on some really primitive data they have about me. What's the harm in including more data?