This practice needs to be banned, it is just another way that the establishment makes life harder for those who are already struggling to make ends meet, there is no reason a person who has not been involved in any claims should be paying 800+ for 6 months of liability
Why is this important?
Yes I personally have been affected by this. Geico went from charging me $241 for 6 months of liability to wanting $820 for 6 months because my credit is bad. My driving record is good and I have not been involved in any claims at any time through Geico or any other insurance company. Decent paying jobs are scarce and a lot of us cannot afford to pay these ridiculous premiums based off of nothing more than a credit score