Insurance companies and institutes have conducted studies they believe prove that credit history can predict the likelihood you will be involved in an accident or have a claim. Insurance companies also consider your consumer and insurance credit history to determine how well you pay your bills on time. The billing process is a huge expense to the company. Printing, handling, postage and receipting are all costly and time consuming efforts. Any additional effort on their part to collect from you will translate to higher insurance rates and lower your insurance credit score.

We think you should have a choice whether to include credit as a factor in the price of your insurance. We have several companies that do not check your credit score if you prefer not to have it considered.