Letter to the Editor - Montana should end auto insurance 'price optimization'

Editor,

To drive in Montana we need auto insurance. But insurance companies want to use complicated algorithms called “price optimization” to charge us more based on how we shop, our personal characteristics, and other online behaviors, even if our risk is the same.

Price optimization isn’t based on our risk or likelihood of causing accidents; it’s a way to charge more because they can. Companies are banking on us not shopping around, and without shopping around we won’t know that we are getting charged more than other people with similar driving habits or similar situations....