Your insurance premiums are more than just a reflection on your personal driving record and yes, even your credit score. When the insurance companies determine premium rates they also take into account the agent you are dealing with, the area you live in, the distance you drive to and from work, as well as the number of claims they have already paid out with that agent.
Like any business, they have to make their ends meet as well as create a profit. What you can do as an individual is to focus on the positives and make certain the agent knows about the extra things you do to be a safe driver.
