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So you haven't had a speeding ticket in years. No accidents either. By any standards your driving record is clean. Of course when you shop for an auto insurance quote you expect to receive a pretty low rate. So why is your insurance quote still so high? Well Cheap Jordan Spiz'ike , your high auto insurance rates may be the result of a poor credit score. Even those persons with a good driving record may still experience higher insurance rates if their credit score is low.

Many Pennsylvania insurers use personal credit scores as a determining factor in a calculation called an insurance score. And in recent years, a person's insurance score has become just as important as their driving record in determining what annual premium they will pay.

An insurance score is computed using data collected from bill-paying history and loan history as reported by major credit bureaus. If your bill-paying history is poor and you load ratio high, it could costs you hundreds of extra dollars each year on your car insurance rates. Studies show that a driver with a clean driving record, but a poor insurance score can pay significantly more than a driver with an at-fault accident, but a good insurance score. Part of the philosophy for rating insurance by using this score is that actuarial studies indicate that how a person handles his personal finances is a reliable predictor of future insurance claims. Still other studies claim that a person's significant financial difficulties may indicate a tendency for risky behavior.

While using insurance scores is prohibited in some states Cheap Jordan 33 , it is legal for Pennsylvania auto insurers to use a personal credit history. Pennsylvania auto insurance companies will use these scores to determine which insurance products to sell, as well as to calculate rates. Each person's insurance score may also be used to determine your premium payment schedule - whether you will pay monthly, quarterly, or if you must pay the entire policy premium up front.

If you have a low insurance or credit score, there is one bit of good news. In the Commonwealth of Pennsylvania it is against the law to use these scores when your policy comes up for renewal. However Cheap Jordan Black Cat , Pennsylvania insurers will use other factors at renewal to assess your premiums. Things like your age, gender, location, type of car, and your driving record will be considered.

If you know your credit score might negatively impact your auto insurance rates Cheap Jordan Trainer 3 , then be sure to get as many rate comparisons as possible. Because each insurer calculates your score differently, you will find a wide range of premiums when you get several quotes from various companies. When you receive a quote, ask for details about your score. If details are provided, review them and look for any areas where you think you are being scored incorrectly. Also, if your score is low Cheap Jordan Future , ask how frequently each company reevaluates insurance scores.

Unfortunately, those most adversely affected by the insurance scoring method are usually the last to realize it. However, now you know, so shop carefully and ask questions
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