Expressing the sense of the House of Representatives with respect to the practices of the auto insurance industry.

Sets forth the sense of the House of Representatives that: (1) a more equitable system for determining automobile insurance premiums for persons living within particular geographic areas should be instituted and insurers should remove territorial rating as a factor in auto insurance premiums; and (2) a fair system must prevent the perception of redlining and should place greater emphasis on the driving record, years of experience, and number of miles driven.