Yes, we have car insurance-because we are out there every day, all day, routinely pointing our cars at people. Not so with guns. In this state, except in rare occasions, guns are intended to stay in the home for protection there. And if the letter-writer doesn't think the insurance companies will latch onto that and run wild with it, they aren't thinking. (Because insurance companies have such a great track record for fairness, right? After all, it took an act of Congress to get decent health insurance!) Red-lining by insurance companies is technically illegal, but astronomical insurance rates for cars and homes based on ZIP code are not.