Do credit scores affect auto insurance premiums?

Insurers can use credit information to help determine insurance rates in most states. Insurers may use a credit-based insurance score to help predict the likelihood of a claim being filed.

A credit-based insurance score differs from a FICO score. Insurers weigh factors like payment history and outstanding debt differently from lenders.

State restrictions

Some states, including California, Hawaii, Maryland, Massachusetts, Michigan, Oregon, and Utah, have laws that prohibit or restrict the use of credit scores in premium calculations.

If you live in a state where credit helps determine how much you pay for auto insurance, improving your rating can help lower your premiums over time.

Compare quotes

Regardless of where you live, shopping around for the best combination of price and coverage is crucial. Insurers weigh factors differently, and your agent may be able to find significant savings by comparing quotes.

Contact us today to review your current auto insurance coverage and compare auto insurance quotes from area insurers.

January 2 is National Pet Travel Safety Day

National Pet Travel Safety Day is an ideal opportunity to adopt new habits to help keep pets safe on the road. A few simple precautions can make travel more comfortable and safer for your furry companions.

• Prepare: Use carriers or harnesses in the vehicle and help pets acclimate to riding along by practicing with short trips.
• Never leave pets unattended: Avoid leaving them alone in parked cars, where temperature fluctuations can quickly become dangerous.
• Consider comfort: Pack water, snacks, medications, and ensure ID tags are in place.
• Be emergency ready: Carry a pet first aid kit and locate vet clinics along your route when traveling long distances.

Traveling with pets can be enjoyable for everyone with a bit of preparation and care.

This newsletter is intended for informational use only and should not be construed as legal, financial, or medical advice. © 2025 Zywave, Inc. All rights reserved.