I haven’t been pulled over in 17 years, and I've had my license with no interruption since I was 16. I've continuously maintained insurance on all my operational vehicles. Yet, despite being a responsible driver for decades, my insurance rates are unfairly inflated due to my credit history. This is incredibly unjust.

Many drivers like me face similar challenges. Financial difficulties or bankruptcy should not dictate our insurance premiums. According to a report by the Federal Trade Commission, the correlation between credit scores and accident risks is weak at best. Insurance companies argue that credit scores predict risk; however, driving records should be the primary determinant of insurance rates, not financial history.

This practice of basing insurance rates on credit history disproportionately affects individuals experiencing financial hardship, often penalizing those who are already struggling. A report from the Consumer Federation of America highlights that individuals with poor credit can pay hundreds to thousands more for insurance even if they have perfect driving records.

We need to push for a fairer and more appropriate system where auto insurance rates are tied directly to driving history and driver safety records. Not only does this ensure fair treatment of drivers, but it also emphasizes responsible driving behaviors without punishing individuals for their unrelated financial struggles.

Join us in urging insurance regulators and lawmakers to disallow the use of credit history in determining auto insurance rates. Let's make insurance rates reflect our driving behaviors and not our financial misfortunes. Please sign this petition to call for immediate reform in the insurance industry. Together, we can achieve a fairer practice for everyone.