[Shotimes] Semi OT - Insurance rates/Credit Rating

[Dave Garber]

Was checking on a couple different insurance companies to see if my current
rates are competitive (I usually do that every few years), but I hadn't done
it in a while.

Can someone tell me why my credit rating is used as a determining factor in
calculating an insurance rate for my car? WTF does my credit rating have to do
with a service that I pay for in advance? They aren't giving me anything on
credit. I pay, they cover. If I don't pay, they drop me. Am I missing
something here? Are they to have me believe that credit rating is somehow
related to driving skill or propensity to have an accident? Have I mentioned
how much I despise insurance companies?


Dave Garber
Pittsburgh, PA
99 White, 97k
99 Silver, 80k