Lower Insurance Rates Now

Insurance rates are set by adding all the claims that were paid, overhead, expenses and profits and then dividing that amount by the number of people who buy policies.   The Trump tax cuts lowered the expenses of every for profit insurance company, and most of  the insurance companies , even the "blues", are for profit.


Here is what the Insurance Journal, a magazine of the Insurance Industry wrote about the tax cuts and insurance rates: 


P&C Pricing Should (Eventually) Reflect Lower Taxes: The P&C insurance industry’s longstanding track record of price competitiveness (other than when underwriting and expected returns are obviously inadequate) strongly suggests that the bottom-line benefits of the tax bill will be competed away

If the Insurance companies weren't so powerful, the Insurance Commissioner would order rate reductions, much like the utility commissioners have ordered lower utility rates

Action Step

Contact the Pennsylvania Insurance Commissioner: ask

for a hearing on why insurance rates have not yet been lowered.

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I am returning to my roots, fighting for consumers from outside of government.  Our first fight is to lower insurance rates.  Pennsylvania should join other states and force Insurance Companies to lower rates.

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