Why bad credit does double damage

This article seemed timely for me in a bad sort of way. It lists the fallout of a bad credit score.

Nothing really surprising, although I just got my auto insurance bill and couldn't believe how much my premiums jumped. I suspect this is more a result of moving than my credit score. My premiums went up 20% ($40 for 6 mos) from moving from one side of town to the other. I am beginning to think insurance companies should provide a color coded map so you know which areas are going to cost you the most in insurance premiums.