I see your point on the credit rating system. But the truth of the matter. Poorer credit people on average make more claims and have more tickets than people with good credit. Insurance scores are rated at the company I work at from i to 5 with 1 being best. When I see a 1 I rarely see them with a ticket, and when you do it's usually one of their kids that got the ticket. I would say half of 5's have one or more tickets. Its just the way it is. Sure there are people out there that run into financial problems and can't help becoming a 5 but the rest are there because their not responsible type of people so they need to pay more.