<strong>Climate Change Seen As Costly To Industry<br />
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Citing fears of rising costs from climate change, insurance companies have begun changing the terms of their policies to encourage customers to act more green. For instance, State Farm, one of California's biggest auto insurers, provides a lower rate for people who drive below 7,500 miles per year and a higher rate if they exceed that level. "How does a rule like that incentivize anybody who drives, say, 12,000 miles per year to reduce their driving," Heller said. "They'll never get down to 7,500, so why try?"