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Unlike health and life insurance, most states currently prohibit auto insurance "QuotesChimp" plans. Such laws were enacted years ago and were backed strongly by the insurance industry lobby. These laws are anti-consumer. Since the individual does not have the bargaining power of a large group, anti-group laws act to keep prices high. By allowing groups to form for the purpose of purchasing auto insurance, the power of the marketplace will be freed to do its thing. The result will be to allow groups to negotiate policies with higher benefits for a lower premium.