Clark believes very strongly in the free market. And some news out today confirms how powerful the market really is. New Jersey has long had the most expensive auto insurance rates in the country. Politicians in New Jersey decided everything an auto insurer did, and rates were sky high. Well, the state got wise to the free market frenzy a few years ago and insurers started coming back to the state. In addition, 75 percent of drivers are paying less than they were before the switch. And according to the New York Times, the average savings is about 30 percent from three years ago. Government should play a role in making sure insurance companies do their jobs. But, in terms of pricing, the market should reign supreme.