Consumer Reports: New Jersey Senate Votes to Ban Auto Insurers From Using Drivers' Credit Scores, Education, and Occupation to Set Premiums Targeted News Service (Press Releases) TRENTON, New Jersey, Jan. 28, 2021: Consumer Reports praised the New Jersey Senate today for passing legislation that aims to end an unfair auto insurance industry practice that could make coverage more costly for some consumers even though they may have clean driving records. The Senate passed S. 111, which prohibits insurers from using a driver's credit score, occupation and education to price auto coverage. The Fair Auto Insurance Rates (FAIR) Act is supported by CR and a coalition of consumer, community, and economic justice organizations.