Yes, you can let your state's insurance commissioner know how you feel about it. A quick little search on google with get you your state's insurance dept website, and I am sure there is contact info there. Also write your representatives to your state legislature - this is not a federal issue, each state can pass their own laws regarding the use of credit in insurance underwriting.
I think most of you are missing the point here. I agree, it is totally absurd that your credit rating has anything to do with your insurance rates, but the insurance companies pull credit reports for the same reasons everyone else does: to see your past payment history. Insurance, just like credit cards and mortgages, is a financial obligation, and most people don't pay their insurance in lump sums anually or even semi-anually. They make insurance payments each month. The way the insurance companies look at it, they want to see how likely you are to continue making timely premium payments each month. In essence, the insurance company has become another "creditor". The fact is, everyone needs insurance. So, rather than decline insurance requests, these companies raise their rates for people with bad credit just like credit card companies raise their interest rates for people who don't pay on time. They see this as protecting themselves against possible financial loss by getting as much as they can in the shortest amount of time. I don't agree with this at all, I think it sucks just like everyone else. Just playing devil's advocate here.
