Well I am an insurance agent and it has been a year since I handle personal lines (home/auto) your “insurance score is a combination of credit AND losses.
Several of us agents tried to fight having credit determie if you are eligible for insurance with certain carriers or dterminee what premium you pay but to no avail.
The companies claim they can prove that those with low credit scores tend to have more losses. BULL! How many of us with low scores can afford to wreck a vehicle!!