I will say I noticed a difference when my credit score dropped my USAA car insurance went up. I personally don't think one should have anything to do with the other. Especially if I am paying by automatic draft, I felt a terrible injustice when my insurance went up. Nevermind that I've been a loyal customer for over 15 years. People have financial problems but still manage to keep up with the more important bills/payments. It would be different if USAA offer a consolidation loan or line of credit based on direct deposit or paychecks and longevity with the company. Sometimes people just need a little assistance in getting back on their feet when life throws you a major curve ball.
A company recentaly analyzed more than 2 billion auto insurance price quotes from 700 different insurance companies accross America. They used 8 hypothetical drivers with different ages, circumstances etc. They found that people woth GOOD credit were paying up to $526 more on premiums compared to people with GREAT credit. Its looking like all insurance companys base prices off you your credit score.