[legion]

Wow, the ignorance over actuarial science here is just too great to overcome.

Suffice to say, there is greater than a .90 correlation between credit score and likelihood of having an accident. The factors that have high correlation to frequency and severity aren't necessarily those that make the most sense on the surface.

And if rates were set the way HGP wants them to be, there would be little incentive to practice behaviors that lower rates....and the jerk wad who drives a Bentley and totals it once a year would be charged the same rates as someone with a Ford Focus and immaculate driving record. People who lived in high-crime areas would pay the same rates as people who live in low-crime areas.

Take a look at states that have legislated away insurers ability to set rates freely: Massachussettes and California. I guarantee everyone pays higher rates because insurers can no longer accurately price insurance. New Jersey was headed this direction until a few years ago.