Credit and car insurance...

The reality is the insurance industry is in existence to make a profit, else they would not exist, what I've always found interesting about car insurance is the fact that it's not just your driving record in some places that affect what your rates will be, your credit history can also have an impact. It's as if the implication is being made that if you have bad credit you will somehow be a bad driver. Ironically most of the bad drivers I know, have enough money that the fear of increased rates doesn't seem to affect their ability to change their driving habits...