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Do car insurance companies look at your credit?
I don't understand how car insurance companies get their rates. Do they look at your credit?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Car insurance companies analyze a variety of factors that
car insurance companies
to determine car insurance rates. Some common factors are:- Your age
- Your location
- Type of vehicle you drive
- Prior insurance history
- Your driving record
In addition to this, car insurance companies look at your credit. If you have a high credit score, insurers consider you less of a risk than those with poor credit scores. This means you often will have better rates than someone who has a lower credit score.
Since credit isn’t the only factor that companies look at, and rates vary from person to person, you may or may not have a better rate based on your credit score alone.
If you’d like to see what your rates may be, you can always request car insurance quotes from several different companies via the
Jerry
app. By getting quotes, you’ll be able to see how your personal information and credit may impact your rate.”View full answer
- Gregory R.
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