being charged to the more affluent driver. (6) The American public is largely unaware that a person’s education level, occupation, employment status, home ownership status, credit score, consumer report, ZIP Code, census tract, previous insurer, and prior purchase of insurance may be significant factors used to determine eligibility for preferred auto insurance rates regardless of the person’s driving history. As a result of the individual’s ineligibility for preferred rates, the driver’s policy and rate will be only offered from an affiliate company that has higher rates. 3. Requirements for private passenger automobile insurers (a) Use of certain factors and income proxies prohibited It shall be unlawful for a private passenger automobile insurer, or any of its affiliate insurers, to take into consideration any of the factors described in subsection (b) relating to a consumer in determining that consumer’s eligibility for automobile insurance or in calculating the rate for that consumer. (b) Factors The factors referred to in subsection (a) are— (1) gender