I'd like to know exactly why a credit score has any bearing on insurance rates. It makes no sense to me. If you don't pay your premium, you don't have coverage. A policy holder isn't borrowing anything. I think it's another technique to fleece the masses myself.

kirk, funny you say that. i shopped around and liberty mutual was the cheapest i found.

Claims, credit, rising cost of repairs. All are major factors.
stik, from an insurance standpoint, credit plays an important factor. Statistics show that people with higher scores maintain there cars, or homes for that matter. Lower scores tend to let things go due to lack of funds and are more likely to have a claim. Not saying this is the case all of the time, but proven statistics are hard to go against. I do foresee a change in how credit is rated within companies. Many companies have over 200 credit tiers.