Many working on health care reform are debating whether to restructure health insurance along the same lines of the auto insurance industry. As all drivers with auto insurance know, your premium is based on your driving record. Plus there are active steps you can take to reduce your insurance premium, such as taking classes in drivers' education. People on the Hill want to add a similar elements to the health care bill.

It is a benefit to the auto insurance customer that the system is designed to give good drivers control over what they pay, and there is an incentive to be a better driver. Thus, it makes a lot of sense that law makers revamping health care are looking to it as a model for a more equitable and efficient system.

The health care reform bill could soon move in this direction. But right now, people who don't smoke while doing other things to maintain their health pay the same amount for insurance as persons (at the same employer) who do nothing to stay healthy, or worse, engage in health-damaging behaviors. And of course, people who are actually sick are getting more value out of paying the same premium as someone who is healthy. What some experts are recommending is that, just like auto insurance, health care be based on your health record, and what you do to maintain your health.

Should we treat health insurance the same way we treat auto insurance? : Some are arguing that we should be forced to have health insurance the same way we are forced to have auto insurance. Do you agree?

Are you going to be covered if you ever hit a deer in your car? : Most of us don't think about this, but thousands of Americans hit deer every year. What should you know about your auto insurance policy when it comes to deer or any other animal doing damage to your car?

At $2500, the Tato Nano is the cheapest car in the world. But you can't buy it in the US and some argue that this will never happen. Safety issues, labor costs, and union concerns will keep the car in India for a very long time.

Click here to see the Tato Nano in action.
Other stories in automobiles and auto insurance:

CNN Money has some great advice on how to save cash on car insurance now. These are great articles to review, if you are looking for a way to slim down your monthly bills in this economic environment. While the whole series is worth a look, some of the best suggestions are:

1. Demand discounts, which are often available if you ask your insurer.

2. Complete a defensive driving course, which may qualify you for lower rates.

3. Look into increasing your deductible, while not filing for small-scale damages. Given the average rate of filings for small vs. bigger claims, you might come out on top financially by paying for small fixes yourself, ignoring cosmetic damage and raising your deductible -- all of which can lower your premium. It can be much more expensive, conversely, to pay a higher premium over time.

For more great advice on getting the best car insurance bang for your buck, be sure to explore all the areas of CNN Money's car insurance area.

Auto InsuranceWe are all trying to save money these days, leading us to look for new ways to cut corners. If you are thinking of buying a new car, you are probably already keeping in mind the costs that go along with the vehicle. BV brings you our round up of the most expensive vs. the cheapest cars to inure to help you make your decision. Read through the gallery below to get our advice, and then leave more helpful tips about shaving down car costs. Does the cost of insurance play a big role in your choice of vehicle?

+Gallery Content Provided by WalletPop

With GM and Chrysler filing bankruptcy and the government sinking billions and might I add -- billions of taxpayer dollars -- to save the domestic auto industry, many of the president's critics believe the government has overstepped its bounds by meddling in the affairs of the auto industry. Some critics have gone as far as to use the "S" word. Yes, socialism!

Now, isn't socialism and the United States a contradition in terms? When I referred to my trusted source, Wikipedia, it defined socialism as advocating state or cooperative ownership in a society characterized by equal opportunities for all individuals. While I'm no economist, I don't think it's a good idea for the government to let the auto industry fail? Yes, I agree that automakers have made a lot of mistakes. The one argument that continues to be a sticking point is that they built the wrong mix of vehicles. Yet, when gas prices inched upward last year, we really hadn't forced them to build gas-friendly cars until everything hit the fan.

When Black Rob rapped, "I live the fast life, come through in the Porsche slow..." he could have very well been talking about celebrities in general. Indeed, these days Porsches seem to be the "it" car in Tinseltown, but there's also a slew of Mercedes, Beamers (or "Bimmers" for BMW snobs), Rollses and Bentleys, and even a few Lamborghinis, Maseratis and a Bugatti thrown in for good measure! Feast your eyes on Stars & Cars: The Luxury Edition. And stay tuned for part two -- the hooptie version. Hey, the economy is hitting us all, right?