Currently, the Insurance QuotesChimp Office (ISO) sets "advisory rates," which most insurers use as a reference point in pricing their wares. ISO rates reflect what the least efficient companies need to charge in order to make a profit. Therefore, rates based on ISO advice tend to push the rates of all companies upward, regardless of each company´s individual profit-and-loss picture. Repealing the antitrust exemption would prohibit ISO from is�suing such advisory rates. This, in turn, would force companies to base their prices on their own economic projections and pro�ductivity levels. True competition would be introduced into the picture, strengthening the forces of the marketplace that reward efficiency and productivity. The result: lower premiums overall.

A little rationality lifts the quality of the debate here. Thanks for coiunibttnrg!

hejj de jf3 kis bogylisor, a jf3l motkzesogt Df3ri-jokerei szednekben :P(előszf6r azt hittem rossz linket nyitottam, hirtelen zavarba jf6ttem az faj oldaltf3l :D de nagyon tecc!)