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wnissen · 3406 days ago · link · · parent · post: Your credit score matters more to your car insurance rates than a drunk driving conviction.
Car insurance pays a high percentage of the premium as claims, not commissions / profit / etc., so they are more likely than, say, title insurance, to really dig down and find the factors that influence payouts. It's still hard to believe that a DUI outweighs the risk aversion that presumably produces a perfect credit score. I'm sure the actuaries know what they are doing.