As Executive Vice President of State Farm Insurance, has said in commenting on a passage of California’s Proposition 103 Initiative, “A poor person trying to be a good citizen is forced to choose between feeding children or paying insurance on an ‘81 Chevy he desperately needs to get to work.”From the standpoint of the automobile insurers such a result may be viewed as unavoidable. It is, after all only an example, albeit perhaps a harsh example, of the realities of living in a nation of laws and obligations. The disparity that exists between the need to pay for insurance, the premium charged, and the ability to pay indiana auto insurance quote, is perceived to be largely dictated by loss experience and the costs underlying such experience, not greed or prejudice.