The Consumer Federation of America urged Insurance Commissioners to ban the harmful practice of price optimization in insurance. 

Price optimization is a type of surveillance pricing in which insurance companies vary policyholders’ premiums based on their expected “willingness to pay." It leads to higher premiums for loyal customers and those without the time, access to choices, or wherewithal to effectively shop around, irrespective of their risk. It is particularly insidious when it is used in personal lines insurance, given that auto insurance is a government mandated purchase for the vast majority of Americans and homeowners insurance is mandatory for anyone with a mortgage.