They use credit checks to set insurance rates too.
Having good credit get you a discount at most auto insurance companies.
People with good credit seldom set their car on fire because they can't make the payments.
LOL, that explains that 'offshore' (rather large to trailer even here in MI) boat that burned in the front yard of the homeowner on the corner of maybe the busiest intersection of my township.
Farmers Insurance Co. included a notice with my car insurance bill that i wasn't getting their "best" rates
because i didn't have the "best" credit (despite FICOs around 800).
when i complained to the broker, he told me not to feel bad since even the car dealer in town who is worth $10,000,000 doesn't get their "best" rates. i asked him who gets their "best" rates and he told me it's people just out of college. after ~ 20 years with Farmers i told them "no thanks", switched insurance companies (and got lower premiums).