Discount Strategies for Auto Insurance Poor credit rating means you could pay double what a person with good credit pays for auto insurance. Why? Insurance carriers figure someone responsible with their bills will also be responsible at driving. Most insurance companies use credit scores or similar tools called insurance scores to help them determine how much to charge a potential customer. What to do if you have a low credit (insurance) score?  Find out if credit scoring is allowed in your State. Ask your agent what tier you are in. Ask them if your credit is negatively affecting your rate. Your insurance agent is required to tell you this information if asked. Check your credit score and get a copy of your credit report. Often there are errors in the report that you can have removed which will improve your credit score. Pay your cards on time and pay down your balances. Make sure you pay your utility bills on time as these can be reported as well. Shop with different insurers. Some don’t use credit as a basis for determining rates. Why use our advice when purchasing your auto insurance? Licensed car insurance agents available to answer your questions.
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