[concordDance]

Companies use many forms of data to change premiums, many you don't have much control over (e.g. what area of the country you live in). Why is that wrong?

[polygamous_bat]

Because you can possibly change your address but not your race?

[concordDance]

You can change it in theory but if that's where your family, job, kids school, etc are? Then realistically you don't have a choice.