The real reason any insurance company pulls credit is so that they can see what kind of risk you are to insure. If you have a lower score your deemed not likly to pay you insurance so they raise the rate and vise versa for good scores. I am sure they do market but it is more to see the risk involved in insuring you. here is an example
Lets say you have some bad debts they want to know are you(anybody) the type to have an accident to pay off other debts. Now im not saying that is what everyone does but i have seen it out there.
I worked for a company that did that not happy about that but thats what they did and its not against the law either.