Car insurance seems to also be based on credit. When I had bad credit years ago, my insurance with my State Farm (the lowest I could get from all companies) was higher. When I paid off the debt, it suddenly dropped $40 at renewal time. I hadn't moved so that wasn't it. Discounts never changed, driving record was the same. Best they'll tell you is "it's a variety of factors" but your credit isn't one you'd think would be involved in it.
Why is it that the world can't spell "lose" or "woman" right???