Ventura auto insurance company wins your business by pricing their coverage low enough to attract you but high enough so that they make a profit. Giant teams of underwriters and uncounted terabytes of computing power go into their calculations.
Ventura Insurance see a statistical correlation between a credit score and the likelihood a person will cost them money. Researchers found consumers with lower credit scores are more likely to file claims, file exaggerated claims, and even commit insurance fraud.
What makes you a better or worse risk than the average driver? Your age and gender. Your driving history and your car. Where you park and how far you drive to work. And on down the line, all the way to your profession, marital status and your credit history.