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I think what it comes down to is that the insurance companies can do almost anything they want, and we have no choice but to pay up. I don't get any breaks for having my car in a locked garage, although I think it would make perfect sense to do so.
People with bad credit get screwed with car insurance. One of my best friends is a very safe driver, never had a ticket or been in an accident. I always give her a hard time for driving too slow! But when she was getting divorced her husband maxed out all the credit cards, and she had to file bankruptcy. She now pays higher rates than me, even though I've had an accident and a couple tickets. She's technically a lower risk than I am, but she's still paying more. Not fair, but what can you do about it?
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