GROUP HUG
Even if you could successfully demand equal rates based on car type, there is still no requirements for any company to insure your car. They are a private enterprise. They could choose to not ensure any blue car if they so chose and are not violating any laws. What you are trying to do is make insurance a government controlled industry. What about cell phones? What about Cable/Sat, what is next restaurants? I for one am completely against government controlling aspects of free trade. Look at what gov regulation did to the electric industry. We had 1 supplier for all electricity. After deregulation, no competing companies could cost effectively run their own power lines to every house that wanted to use them, so they had to buy from the 1 original company, who now sets the price as they see fit. If they raise rates, the others have no choice but to raise as well because their rates went up as well. Here it is TXU, they were fined by the state for raising rates just to increase the profit margin (rates increased by 75-100% in 1 month for repeated months). The response was that if they are forced to pay, then they will have no choice but to shut down power plants. Thus increasing unemployment, having less power (which will cause the rates to skyrocket). The state agreed that they did not have to pay, and TXU agreed to lower the rates, but not back down to where they were. Once the government steps in to regulate, they can not step back out without everything being screwed up. Do you really want the government to control more aspects of your life?
A wise man once said, "Be careful what you wish for, you just may get it."