Posted On: November 8, 2006, 2:16 pm CST

Posted By: KLS

In my opinion, it sounds like rubbish.

It is not a great stretch of the imagination to accept the possibility that there are people with poor credit scores who are no more of a risk to an insurer as someone with a perfect credit score.

Where has it been proven that low income or one's income to debt ratio has any bearing on their driving habits or exposure to risk? What resources might I tap to obtain this information?

Granted, some low-income people can't afford insurance and therefore go without it, often illegally. But there are well-to-do people who break the law, too... and drink and drive and have dangerous habits. There are certain people in all levels of income who are high risks and I'm betting the risk has little (if anything) to do with their credit score.