[wccrawford]

That's the same thing as racism. Every racist ever has told himself that he's 'mitigating risk for the company' by not hiring minorities.

[petercooper]

So are insurance companies who charge more to males "sexist" or to younger drivers "ageist"? Undoubtedly, there are some racist idiots hiding behind the policy of mitigating risk, but I can't believe some don't have reasonably logical, if tasteless, motivations.