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Jerry Data & Research
What is a credit-based insurance score?
Is there a difference between that and your regular credit score?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Your credit score and your credit-based insurance score have some slight differences.
With a credit-based insurance score, insurance companies can’t use your personal information in your credit file as a factor in their rate. Your age, address, credit inquiries, or marital status can’t be accessed by
car insurance companies
through your credit score. The information car insurance companies can see are:- Payment history
- Outstanding debt
- Credit history length
- Pursuit of new credit
- Credit mix
Depending on where your car insurance company pulls your credit-based insurance score, they may see a number. Similar to your regular credit score, this is a number given by FICO based on all the above factors.
If you have a lower credit score, your credit-based insurance score will may also be low. This can cause your car insurance rates to be higher until your credit score improves.
But don’t let this deter you from shopping around for car insurance. The
Jerry
app allows you to sign up in minutes to compare quotes from dozens of insurers without having to worry about endless follow-up phone calls and spam.”View full answer
- Gregory R.
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