{"id":4796,"date":"2022-04-04T12:27:03","date_gmt":"2022-04-04T19:27:03","guid":{"rendered":"http:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/?p=4796"},"modified":"2022-04-04T12:32:24","modified_gmt":"2022-04-04T19:32:24","slug":"why-are-rates-changing-part-4","status":"publish","type":"post","link":"https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/2022\/04\/04\/why-are-rates-changing-part-4\/","title":{"rendered":"Why are rates changing? Part 4"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4796\" class=\"elementor elementor-4796\">\n\t\t\t\t\t\t<div class=\"elementor-inner\">\n\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a1088b8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a1088b8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3175107\" data-id=\"3175107\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-70ced9c elementor-widget elementor-widget-heading\" data-id=\"70ced9c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">LEGISLATION AND REGULATION<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8641f18 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8641f18\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-16b6b5c\" data-id=\"16b6b5c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eb4da8f elementor-widget elementor-widget-image\" data-id=\"eb4da8f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img width=\"300\" height=\"200\" src=\"https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/wp-content\/uploads\/2022\/04\/legislation-300x200.jpg\" class=\"attachment-medium size-medium\" alt=\"Defensive Driving\" loading=\"lazy\" srcset=\"https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/wp-content\/uploads\/2022\/04\/legislation-300x200.jpg 300w, https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/wp-content\/uploads\/2022\/04\/legislation-1024x683.jpg 1024w, https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/wp-content\/uploads\/2022\/04\/legislation-768x512.jpg 768w, https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/wp-content\/uploads\/2022\/04\/legislation.jpg 1200w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-913c68d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"913c68d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d00e535\" data-id=\"d00e535\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4c047c1 elementor-widget elementor-widget-text-editor\" data-id=\"4c047c1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<ul><li>Each state has its own insurance laws and government regulators.\u00a0Each sets a minimum level of coverage residents must carry,\u00a0determines if and when insurance companies can raise rates and <br \/>proposes new laws regarding fraud and more.<\/li><li>Insurance departments in some states have prohibited certain\u00a0factors from being used to price insurance \u2014 notably gender, credit\u00a0score and level of education \u2014 arguing that they are discriminatory\u00a0and irrelevant to driving risk. California, Hawaii, Massachusetts\u00a0and Michigan are currently the states that ban these factors most\u00a0broadly. As of March 2022, Washington also prohibits considering\u00a0credit score as a factor.<\/li><li>As of early 2022, Congress is considering a bill that would ban personal rating factors like gender, credit, ZIP code and income\u00a0nationwide.<\/li><\/ul>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>LEGISLATION AND REGULATION Each state has its own insurance laws and government regulators.\u00a0Each sets a minimum level of coverage residents must carry,\u00a0determines if and when insurance companies can raise rates and proposes new laws regarding fraud and more. Insurance departments in some states have prohibited certain\u00a0factors from being used to price insurance \u2014 notably gender, &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/2022\/04\/04\/why-are-rates-changing-part-4\/\"> <span class=\"screen-reader-text\">Why are rates changing? Part 4<\/span> Read More &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}}},"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/wp-json\/wp\/v2\/posts\/4796"}],"collection":[{"href":"https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/wp-json\/wp\/v2\/comments?post=4796"}],"version-history":[{"count":4,"href":"https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/wp-json\/wp\/v2\/posts\/4796\/revisions"}],"predecessor-version":[{"id":4801,"href":"https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/wp-json\/wp\/v2\/posts\/4796\/revisions\/4801"}],"wp:attachment":[{"href":"https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/wp-json\/wp\/v2\/media?parent=4796"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/wp-json\/wp\/v2\/categories?post=4796"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/2passdd.com\/Arizona-Defensive-Driving-School\/wp-json\/wp\/v2\/tags?post=4796"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}