Even though I never thought it was right, I've always heard car insurance companies base your premium off your credit report. I never thought my insurance company (Geico) did this, since I never remember a hard inquiry on my credit report from them.
I started rate shopping, and all these other places, was offering a quote $60 cheaper. I was paying $160 for full coverage on a 2005 Chevy Impala. (Had this rate before I knew what credit was)
I called Geico about the quotes, transferred me to someone, which was familiar with a new underwriting process that was in available in my state. 
She pretty much stated, she would soft pull my credit, and came back with a permanent quote of $105, with nothing changed!!
People who say, they don't need credit, or they can pay everything in cash, are misinformed, as it affects them in more ways than one. People say credit can put you in debt, but it can also save money.
Awesome job, always love a bargain!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
That's great!
Starting Score: EQ 717 EX 724 TU 736
I posted about my savings over the summer and I saved a ton when I started getting credit up. Ill probably check again after refi and see if I can save some more.
