LANSING, Mich. (AP) - Michigan Democrats are promoting proposals they say would make auto insurance more affordable and strengthen consumer protections in the state.

Opponents including the insurance industry say the proposals detailed Monday would drive up costs for customers and are a political stunt geared toward the 2010 elections.

The Democratic proposals would require that companies get prior approval from the state insurance commissioner before raising rates. A driver's education level or credit history could not be used as factors in determining rates.

Most of the proposals have been discussed by Democrats before but some are in legislation for the first time.

The legislation likely would be opposed in the Republican-led Senate if it passes the Democrat-controlled House.

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