What factors can affect an insurance score?
Favorable credit information results in lower premiums. Because both above-average and below-average factors are evaluated, you still have the opportunity to get a lower rate, even if there are some below-average items in your credit history.
 

Favorable factors might include:

· Long-established credit history · Numerous open accounts in good standing · No late payments or past due accounts · Low use of available credit

Unfavorable factors might include:

· Collection accounts · Numerous past-due payments · High use of available credit · Numerous recent applications for credit

These factors vary by state to comply with the laws of each state.