Auto Insurance Company Basics

It is a generally unknown fact that auto insurance carriers use credit information to rate their customers.  Strangely enough a positive link exists between a person's credit history and their likelihood of an accident.

California is currently the only state to prohibit the use of credit information in rating a customer.  All allow some form of credit to be used in generating a rate.  What does this mean to you, the consumer?  Protect and check your credit report often for accurateness.

What kind of credit score does an insurance company use?  The insurance industry generally doesn't use the familiar FICO based credit score.  Instead each insurance company uses their own credit model.  Therefore different companies will regard you as having better or worse credit than the nex

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