Check Your Credit Score
See Where You Stand
Your credit score is one factor insurers use to set your premiums. Knowing your score is the first step.
How Your Credit Score Affects Your Insurance Premiums
Insurance companies in Nevada, Hawaii, and Washington are legally allowed to factor your personal credit score into your premium calculations. A lower score can mean higher rates, even if you have a clean claims history.
What This Tool Is
This is a standard consumer credit score, your real FICO or VantageScore pulled from the major bureaus (Equifax, Experian, TransUnion). It's the same type of score lenders use, and it's a reliable indicator of where you stand financially.
What This Tool Is Not
Insurers use a separate internal insurance credit score that is not available to consumers. This tool won't show you that number; no tool can. But your general credit health is closely correlated with how insurers view your risk.
Insurance Types That Factor In Credit
Improving your credit score can lower premiums across all of these:
Tips to Improve Your Credit Score
Pay all bills on time — payment history is the biggest factor
Keep credit card balances below 30% of your limit
Don't close old credit accounts unnecessarily
Avoid applying for multiple new credit lines at once
Review your credit report regularly and dispute any errors
Contact us when your score improves — you may qualify for better rates