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In my opinion, if everyone has to get insurance then it should at least be handled in a fair manner. This meant that, to get from here to there, you have to get auto insurance. Unfortunately, that is before they found out that I was a teenage driver. And naturally, I wanted to go with the cheapest rate. The best rate I could find was from the Allstate insurance organization. I grew up in Michigan, where it is practically impossible to get by without a car. Once they calculated that into their rate, it skyrocketed!

Because I was a teenage boy, the Allstate insurance organization rate was twice as bad as it could have been if I was a girl. I don't think this is fair. It is a pretty shady business, if you want to know the truth. I don't think that an auto insurance organization should be able to calculate your age in to your insurance rate. I have a friend who worked for a Michigan insurance organization, and he knows the inner workings of the industry. My sister went with the Allstate insurance organization, and actually got a decent rate. The Allstate insurance organization – or any other national insurance organization for that matter – can use all kinds of data to calculate your insurance rates. They can make you pay more due to your age, your gender, or even your credit history.

I have a lot of trouble seeing why credit history should have anything to do with how much the Allstate insurance organization charges me. If I have a fine driving record, why should they have the right to charge me more just because I have a bad financial record? They are not a financial lending institution. They are not there to guarantee my bank accounts.

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Personally, I think we should establish a single Nationwide insurance organization run by the government. Right now, the Allstate insurance organization has one way of calculating how much to charge for insurance coverage and AAA insurance has another way of doing it. They could not be in it to make the most money possible. If there were one national organization, there could only be one way of doing it. A nationwide insurance organization could be more likely to judge you on your driving record alone. This could solve a lot of these problems. They could be there to provide the best automotive insurance protection possible. It could be much better for everyone except the insurance companies.

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