Should your credit rating matter?

One of the things that has always made me wonder when it comes to auto insurance quotes is the reliance on your credit history score as a factor. Using someone's driving record is completely understandable, but the idea that your credit score somehow should be a factor in the price that you pay to insure your home or your car has always been puzzling. Those who are poor have not been statistically proven to be worse drivers than those who are rich, it's one of those strange things that if we as consumers were not forced to purchase insurance as we are in some states, we might have a better ability to create change.