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

S 2944 prohibits New Jersey auto insurers from using a person's education level, occupation, or credit score to determine insurance rates. It also bans insurers from asking for this information during the application process. This bill directly affects all drivers in New Jersey who apply for or renew auto insurance, as insurers must now base rates on other factors like driving history. The law requires insurers to file their underwriting rules with the state commissioner for approval and public inspection.