Data mining determines which customers will tolerate hikes. http://www.marketwatch.com/story/the-sneaky-way-car-insurers-raise-your-rates-2014-04-11
You're surprised? Go survey the gas stations in your area. I bet the poorer area pays a noticeably different price than the wealthier area... Go to supermarkets in both a poorer and wealthier area. I bet there are consistent price discrepancies among a large number of products. Where I live, the poorer areas have cheaper gas, but more expensive food...