It's not necessarily driving history. Some time back, somewhere in all these threads, someone reported that a large AoR caused their insurance premium to go up. In that case, the algorithm was apparently weighted toward number of inquiries. In a sense, applying for many credit cards was a proxy for risk-taking behavior.

However, according to this thread, no one on myfico believes the CK auto score means anything anyway: http://ficoforums.myfico.com/t5/Rebu...e/td-p/1870503