Auto rates are high for Michigan consumers particularly in Detroit due to corporate greed and discrimination by Insurance companies like Frankenmuth Insurance. They fought for the right to use credit scores, knowing full well that Detroiters in particular would be impacted but being a community not accepting of diversity, they are more than glad to discriminate. Credit scores have nothing to do with a drivers ability to avoid accidents or drive safely. If someone doesn't pay their premiums, the auto carrier can cancel them so there is no reason to charge more to those with lower credit scores. It's a sham, and a way for greedy executives to pocket more money but until the legislators act, they will continue to reap the rewards of struggling middle class folks. Frankenmuth executives spend egregious amounts of policyholder money on themselves, their spouses and their board of directors. For example, the CEO would stay for weeks at the penthouse of a Ritz Carleton which was over 3000 sq foot (Key Biscayne), buy $700 bottles of wine for entertaining, and give spouses coach purses, and expensive jewelry with policyholder's money. If they didn't have credit scoring and couldn't charge egregious rates and discriminate against the largest Metro area in their domicile State, they'd have to stop the spending spree. It's time for people to demand better. Write CEO John Benson at One Mutual Avenue, Frankenmuth MI 48734 and under the Freedom of Information Act, ask for their spending data - how much is gifted, where have the executives and board traveled with spouses. They will throw up a smoke & mirror screen to avoid answering these questions because the unethical behavior and conflicts of interest are so great there, that if the public knew, their business would crash.