How can I improve my auto insurance score?
My auto insurance score on Credit Karma is 805. It also says insurability is poor. I was wondering if there is a way to improve that score? I have never had an accident and I am never late on my payments.
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Move to a small town in an insurance friendly state. - Certian states like Florida are considered high risk for doing business for insurance companies.
Get a (relatively)new midsize sedan in white, tan, or brown. These colors are the least likely to get stolen and the modern midsized sedan is considered the safest vehicles to drive.
Drive less than 100 miles a month - The less you drive the less likely you are to be involved in an accident
Go 9 years with no claims, tickets, or late payments and maintain a valid drivers license and Insurance. Drivers who go for long periods with out incident are more likely to be safe drivers.
Have an income in upper middle class. Drivers in this bracket tend to be statistically safer drivers and are the least likely to be involved in fraud.
As a recent college grad who switched to his own car insurance, many of the things I did myself are reflected here.
The #1 thing I did was find out what coverages I had, what coverages some friends of mine had (car enthusiasts mostly - they're the most informed on this stuff), and then figured out what kind of coverages I wanted. From there, I went around getting quotes from anyone and everyone and eventually built out a sizeable spreadsheet that made it obvious which company was going to offer me the best rate at a given coverage level.
Something else to remember - not all insurance companies look at past accidents and violations (speeding, etc) the same. In my search, I found some have a 3-year scope on accidents and violations, while others were as much as 5 years.
So, if your driving record isn't a shining example (mine isn't perfect), you could potentially save money by considering insurance through a company that will see fewer violations/incidents than another because of the size of their scope. I ended up saving /mo by choosing a company that had a 3-year scope, which was on the cusp of when my last violation/incident occurred.
Insurance companies will also give out discounts for younger drivers based on GPA average. If you have kids and they maintain a high GPA, you might be able to get a discount there. Not all companies offer it, so if they do it's worth finding out how much it is
Auto Insurance score is in no way related to your driving habits, instead it is based on your credit usage. You are often punished for having more than one or two hard inquires in a year and they also frown upon having many lines of credit even though that helps your credit utilization.
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