It sucks but that's the way it is. The industry has deemreintd that there is a direct correlation between low credit scores and insureds performance and low scores equal higher pay outs for the company so they want higher premiums for higher risk. Also in a few states like Vermont you dont have to give your social # but then you get declined so basically your stuck. As for the prior post about self insuring. You have to prove substantial assets and it has to be certified by a judge and the state. We are talking about multi-millionaires.