cashShould level of education or occupation be factors in car insurance rates?

Read: Mauriello, Tracie, Bill would eliminate education as factor in insurance rates, Post-Gazette. Dec. 26, 2008.

checkmarkPoll your class:

Did you know that your level of education and occupation impact your car insurance rate?

Do you believe it should?

blackboard Calculate the long term costs.

According to the report, "Under one carrier's rates, a 37-year-old Pennsylvanian with a clean driving record and a Ph.D. would pay $546 a year to insure a 10-year-old sedan. If he were a high-school dropout instead of a doctor of philosophy, the rate would be $870."

If their insurance costs never changed, what is the difference the two individuals will pay for their car insurance over 20 years?


question mark What factors should be used?

Identify factors that you believe should be used by insurance companies to set their car insurance rates.


question mark What choices can consumers make to lower their car insurance rates?


quill and ink pot Take Action:

Write a Letter to the Editor of your local newspaper regarding this issue.
Give a specific action you are taking to improve your costs for car insurance.


Write a letter to your local state representative regarding this issue.
In your letter, give a specific action (beyond voting for or against it) that you are asking for your legislator to take.

Your challenges include: finding their office address, using the correct salutation including title, as well as, following appropriate business letter writing format.

Many elected officials have an email form/link in their web site. It is reasonable to use this, in lieu of paper and postage, but format and style expectations remain the same. Write the letter in word processing. Edit it as needed. Then copy .. paste it into the email form. Some have a maximum character limit to emails. If that is the case, write the formal letter. Then drop the address heading and date from the email.

BTW - Writing and saving your letter in word processing is a great way to save a copy of your letter. You should always save a copy of correspondence you send to elected officials.

Extend your knowledge -

What is the process - from proposal to enacting - for this change to become law?

"Nearly 4,500 bills were introduced during the two-year legislative session that ended last month, but only 292 laws were signed - and about a quarter of those were routine appropriations bills.

Those are long odds for lawmakers hoping to get a favorite bill passed, particularly given that the General Assembly's agenda is largely driven by the majority leaders and governor." Pa. Legislature's Chairmen Prepare For New Session, Mark Scolforo, Fulton County News. 12/25/08


Pennsylvania General Assembly Who Represents You?
Insurance Department of Pennsylvania Government Integrity - The Power of facts from the Web

Open Records in Pennsylvania

Your America: Take action resources
Protecting Pennsylvania Consumers Community Development projects
Consumer Protection Project Government of PA by the Numbers
Project Vote Smart - Voter Self Defense System Reforming Government Essay
Insurance Information Institute Amending the Constitution of the Commonwealth of Pennsylvania

Dig into lobbying in Pa

U.S. Priority regarding health insurance?

Life Expectancy in Pennsylvania

U.S. Priority regarding Hunger?
Six Ways to Save on Auto Insurance Smart Money article Freedom of Information Act info
Insurance Institute for Highway Safety Running for Public Office

Can a letter make a difference?

Look into the story of Sarah Josepha Hale. Her letter writing campaign is important to us every November.
Or consider the advocacies of Anna Jarvis and Rachel Carson.
Picking Letters, 10 a Day, That Reach Obama

Problem Based Learning Projects / Internet Hunts / Nature / Computers / Pennsylvania Projects / Puzzles & Projects / Site map / Home

developed by Cynthia J. O'Hora Released to public domain and Posted 12/2008

tree icon How to make a Digital Answer Sheet: Highlight the text of the questions on this web page, copy them - Edit .. Copy. Open a text document or word processing document. Paste the questions into the blank document. Answer the questions in the word processing document in a contrasting color or font ( not yellow, avoid fancy fonts like: black, Symbol, dearform fomnt or broad. Save frequently as you work. I do not like losing my work. You will not like it either. Put your name and the date in a header. Bad things happen. Retain a copy of your work on your computer.

Proof your responses. It is funny how speling errors and typeos sneak in to the bets work. smiling icon Make Your Own Printed answer sheet