由于在定价中广泛使用信用分数,尽管驾驶安全,但贫穷信贷可能使汽车保险的司机成本增加数千人。 Poor credit can cost drivers thousands more on car insurance, despite safe driving, due to widespread use of credit scores in pricing.

您的信用记录会大大影响您的汽车保险费用, 根据NPR, 有些驾驶员每年因信用不良而多付数千美元, 即使有安全驾驶记录。 Your credit history can significantly affect your car insurance costs, with some drivers paying thousands more annually due to poor credit, even with safe driving records, according to NPR. 保险人利用基于信用的分数评估风险,这种做法被批评为对低收入和少数群体驱动者造成不成比例的影响。 Insurers use credit-based scores to assess risk, a practice criticized for disproportionately impacting low-income and minority drivers. 虽然一些州禁止或限制在定价中使用信用分数,但这种做法在美国各地仍然很普遍,使人们对保险承保的公平性和透明度感到关切。 While some states have banned or restricted the use of credit scores in pricing, the practice remains widespread across the U.S., raising concerns about fairness and transparency in insurance underwriting.