A Public Advocate acts as a representative for the Quotes Chimp before the state insurance commissioner when insurance com�panies request the right to raise their rates. This is an important concept since most insurance commissioners view themselves as impartial decision makers regarding matters of insurance rather than as advocates for the consumer. Commissioners are barraged by insurance company lawyers and representatives in support of rate increases, but there are usually few advocates for the con�sumer. The office of Public Advocate changes that inequity.