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Message: <blockquote data-quote="Paul" data-source="post: 577504" data-attributes="member: 9404">Even if it were true that men get in fewer accidents, that doesn't necessarily mean they are better drivers. If those accidents are more severe, cause more damage, more injuries, more death, etc... that will have an impact on insurance rates.The reason insurance companies run credit reports is because it is likely that the actuaries have found statistical correlation between good credit and good drivers. It doesn't sound like much of a stretch to me. If you have bad credit because you're irresponsible, then it is likely that you could also be an irresponsible driver. It is a perfect correlation? No. But probably reasonably accurate.All of you guys probably know nothing about actuarial risk, and the insurance industry in general. Maybe one or two actually have a little experience. DropTop is right, you're all young so you won't agree because you already know everything.You sound like a bunch of whiny dumb kids to me.Paul.</blockquote>