I really take exception with their point on insurance. They try to insidiously suggest that the poor and urban population pays more for insurance than other populations due to... Well they don’t say, but I do take their inference. The fact of the matter is that the auto insurance industry is highly regulated and cannot discriminate on many factors. Their rate books are reviewed by regulators. The fact that poor and urban residents pay more has to do with the risk to the vehicle. The chance of damage, theft, the type of car, the experience and record of the driver, etc. all factor in. It may be unfortunate, but it is it not some grand conspiracy or inherent bias to hold these people down. I wish other types of insurance (like health) were as easy to shop for as auto insurance. You can easily shop multiple insurers and compare prices from the comfort of your home and pick what works best for you. It’s really incredible when you think about it.