Mar. 30--Strident calls to scrap Massachusetts' auto insurance system are giving way to a more thoughtful discussion about how to stimulate competition without driving premiums through the roof for young and urban drivers. A recent report by a study group convened in January by Governor Patrick manages to point the way toward reform while maintaining basic protections for the drivers of the state's estimated 4 million private cars. The seven-member study group, chaired by state consumer affairs director Daniel Crane, argues for measured change in the only state where the commissioner of insurance sets the annual rate that all insurers use to calculate premiums.....
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