several years ago, I was out of work for a while and accidentally let my car insurance lapse (I had it with allstate)..when I went in to renew, the agent told me that due to my credit score (out of work AND after a divorce), he was unable to sell me insurance..I asked him why not and he said people with a low credit score we prone to fraud (having their car stolen, burning it, whatever)..I reminded him I was an allstate customer for 24 years with only 3 claims (most expensive one was $500)..he said it didn't matter..
long story short, I got a job finally, moved to texas and went to see an allstate agent..she said georgia was ridiculous since I was a good customer for a LONG time so she sold me a new policy..when I moved back to georgia, my old agent (who had the policy transferred to him and was the one who couldn't/wouldn't renew my policy) immediately called and tried to sell me more coverage...I thought it was truly funny..
I've never cost them a cent.