The issue of not allowing insurance companies to base their rates on a consumers credit score is pretty much died down.  Statistics prove that people with bad credit scores are in fact more likely to submit a claim on their car insurance.  The fact is as much as the politicians say how much they are helping Michigan residents drive down the cost of auto insurance, from what we seen it has been a complete failure and another example of wastful goverment spending.  Check this out, The Governor of Michigan best idea to help drive down the cost of michigan auto insurance has been to appoint an “insurance advocate” to monitor the insurance companies to determine if rates are to high for michigan auto insurance.  Yes, that is a real job title and it gets better. His starting salary is $120,000.  And no that is not pesos that is real US Currency my friend.   So far this insurance advocate has done nothing. In fact michigan auto insurance is expected to rise again by 2.5%.  Nice job Governor!