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Credit-based insurance scores
How credit can affect car insurance prices, and where it can't.
In most states, insurers can use a credit-based insurance score, built from your credit report, as one rating factor. A few states, including California, Hawaii and Massachusetts, don't allow it for auto insurance, and others limit it.
What you can do
- Check your credit reports for free at AnnualCreditReport.com and dispute errors
- Pay bills on time and keep credit card balances low
- Ask your insurer whether it re-checks your score at renewal, and whether you can request a re-rate after your credit improves
- Ask about "extraordinary life circumstances" rules if a hardship hurt your credit; some states require insurers to consider them
Educational information, not insurance advice. Discounts and rules vary by state and insurer; ask your insurer about your policy. Secure Motors is not an insurer, agent or broker and takes no commissions.