Your Insurance Score is just as important as your credit score nowadays. It determines the base you will pay for your insurance premiums.

Here are a few tips on how to clean up your Insurance Score:

1) Always pay your premiums on time.

 A day here or there short is not going to hurt you.  30 days will.

2) Never allow your policy to cancel for NON-pay. 

 If you plan on NOT renewing, call the company and tell them,don't just let it go. 

3) Carrying bare minimum coverages affects your score - negatively.

Try to go up at least one more level on your liability limits. Its really NOT that much  more in premiums     than what  you might think!                
  

4) Credit is tied to Insurance score too.

 An insurance score SKIMS your credit.  Its a soft hit, not a hard hit. 
 Its like opening the cover of a book and reading what its about.
 You don't really know the whole story, but you get the gist.


5)  No prior insurance affects your insurance score. 

If you never had a need for a car and are just now purchasing one, you can get  into some trouble for "no  prior insurance".  What the companies are looking for is someone who knows how to manage their  insurance. If your score has been cleaned up by 1-4 above, this may not be as important. EXCEPT some  companies will not take you, no matter what. Carrying a NON-OWNED vehicle policy could help, except some premiums are pretty high for that policy.  Ask your agent.
    

 
After the base is applied, other things affect your insurance to either increase it or decrease it.


BUT THAT WILL BE ANOTHER BLOG SESSION.............