Prohibits use of education, occupation, and credit score as rating factors in automobile insurance underwriting.

This bill prohibits New Jersey auto insurers from using an applicant's education level, occupation, or credit score to determine insurance rates or eligibility. It also bans insurers from asking about these factors during the application process. The law amends existing insurance regulations to explicitly forbid these rating practices and requires insurers to file their underwriting rules with the state commissioner. This directly affects all New Jersey drivers applying for or renewing auto insurance policies.