Insurance companies are always looking for ways to evade Proposition 103, and they have come up with a scheme to evade the law’s good driver requirements.  These days, some insurance companies are marketing plans that promise lower premiums to people who belong to what the insurance industry calls “affinity groups” – college graduates who can afford to maintain memberships in an alumni association, people with high paying jobs like doctors, lawyers, and business executives, and other elite members of the 1%.

Guess who gets penalized under this system? Regular people who work middle class or blue collar jobs; high school graduates; retired citizens and those on low incomes. Even if they are Good Drivers, they are forced to subsidize the rich – but not necessarily good drivers – that insurance companies like better. For more information see