This article raises some great points on what goes into underwriting at the agent and company level. Each insurance company uses different criteria to come up with how much to you charge you for your Auto Insurance.
In MN it is ok to use credit, education and work history but different companies weight these factors differently. Working with an independent insurance agency will give you the best options and know which companies will offer you the best coverage and price based on your underwriting factors. We happen to know one, can you guess which one it is?