Mounting evidence shows that onerous state-based price regulation has adverse consequences on insurance markets — increasing industry costs, discouraging market entry and competition, and creating price distortions. This ConsumerGram provides additional evidence that state-based price regulation of automobile insurance tends to increase consumer prices, thereby reducing consumer welfare. These studies suggest that state-based price regulation [...]

Welcome to the ACI’s Experts Policy Blog.  In an effort to identify consumer problems and discuss potential workable public policy solutions, this blog will bring you thoughts and ideas from experts across the country.  We will be discussing a variety of issues from health, to finances, to energy, to technology.  We want to hear from [...]

There Is No Such Thing As A Free Lunch!  Only the most naïve or uninformed consumer will take issue with this familiar adage.  Wary consumers know that in the end, they always pay — directly or indirectly, sooner or later, one way or another — but always!    Notwithstanding, some at the Federal Communications Commission [...]

Downloading music, software applications and video has become commonplace, reducing the need for consumers to drive their cars to buy DVDs, CDs and the like.  This ConsumerGram focuses on the positive environmental impact of buying online and finds that just downloading music has resulted in 6.5 billion fewer miles driven each year.  Less driving benefits [...]