Jt1, if he's paying for full coverage, it's VERY believable. Most of us can only get affordable car insurance in Metro Detroit if we settle for the most basic no-fault insurance legal. If you're part of the lucky minority, you'll refuse to believe it. Once you make one claim in Metro Detroit, you're done for. They'll charge to the moon for the rest of your life unless you have a credit score that's through the roof.
I'm a guy that pays all of his bills, but I keep my expenses to a minimum and like to pay up front, so my credit score is just solid, not great. I don't feel like playing around with credit cards in the off chance it'll help my insurance rates.
When it comes to big services, America always devolves into oligopolies and monopolies. Might as well socialize a lot of this stuff because the free market fails us time and time again.
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