You don't do the math

If you do, the California insurance commissioner will get you;

California Insurance Commissioner Dave Jones on Wednesday issued a notice to property/casualty insurers doing business in California advising them that so-called “price optimization” in rate making is unfairly discriminatory and violates the law.

For a little background;

CFA [Consumer Federation of America] is further alleging that to get around risk-based pricing restrictions in place in most states, the insurance industry has been surreptitiously using an economic concept “elasticity of demand” – an economic measure to show response to demand for goods or service in relationship to price changes – to optimize prices to maximize profit without clearly disclosing the process to state regulators.

Of course, throttling the market always results in lower prices.