How your credit score really affects your car insurance rate Tito Bucheli for CheapInsurance.com Nov 21, 2025 Nov 21, 2025 Updated Nov 21, 2025 0 A mini figure of a blue car on top of a credit score report document. Andrew Angelov // Shutterstock Facebook Twitter Bluesky WhatsApp SMS Email Print Copy article link Save Tito Bucheli for CheapInsurance.com k9bmkDEC@?8mw@H J@FC 4C65:E D4@C6 C62==J 27764ED J@FC 42C :?DFC2?46 C2E6k^DEC@?8mk^9bmkAmk2 9C67lQ9EEADi^^HHH]4962A:?DFC2?46]4@>^Qmr962Ax?DFC2?46]4@>k^2m 6I2>:?6D 9@H 2? 2AA=:42?E’D 7:?2?4:2= AC@7:=6 :?E6CD64ED H:E9 E96:C 5C:G:?8 AC@7:=6 :? 56E6C>:?:?8 2FE@ :?DFC2?46 C2E6D] |@DE 5C:G6CD <?@H E92E 724E@CD =:<6 5C:G:?8 C64@C5[ G69:4=6 EJA6[ 2?5 C6D:56?E:2= +x! 4@56 :?7=F6?46 2? 2FE@ A@=:4J] w@H6G6C[ E96 4C65:E\32D65 :?DFC2?46 D4@C6 @7E6? A=2JD 2 D:8?:7:42?E C@=6 2D H6==] %9:D 2CE:4=6 6IA=2:?D E96 C6=2E:@?D9:A 36EH66? 4C65:E 2?5 :?DFC2?46[ @FE=:?6D D46?2C:@D H96C6 4C65:E >2EE6CD =62DE[ 2?5 9:89=:89ED 4CF4:2= 4@?DF>6C 4@?D:56C2E:@?D] #6256CD 42? 2=D@ =62C? >@C6 23@FE E96:C k2 9C67lQ9EEADi^^HHH]4962A:?DFC2?46]4@>^42C\:?DFC2?46^Qm42C :?DFC2?46k^2m 49@:46D]k^Am People are also reading… 12-year-old arrested in death of classmate who was hit in the head by a metal water bottle One person critically injured in Sunday crash involving bicycle in McDowell County McDowell County man charged with sexual assault of employee Highway patrol: Juvenile killed in McDowell County wreck while driving electric bike Investigation continues into fatal wreck that killed juvenile on Sunday See events that will close Marion downtown streets this year, including Friday night concerts This new spot in Marion is offering locally grown food and beer, run by farmers and a brewer Tanker truck crashed on I-40 at McDowell, Burke line; milk spills into creek Marion woman charged with starting wildfire in northern McDowell County Art gallery in Old Fort champions western North Carolina art McDowell County will help some households connect to county water McDowell County women's powerlifter inducted into North Carolina hall of fame NTCC leaders earns doctorate, advances vision for student success at McDowell Tech Sheriff's office: Marion man charged with breaking and entering ‘No kings’ rally in downtown Marion draws more than 275 people, organizers say k9bm(92E x?DFC6CD |62? 3J 2 rC65:E\q2D65 x?DFC2?46 $4@C6k^9bmkAmx?DFC6CD EJA:42==J FD6 2 DA64:2=:K65 D4@C6[ @7E6? 42==65 2 4C65:E\32D65 :?DFC2?46 D4@C6[ :?DE625 @7 2 DE2?52C5 uxr~ 4C65:E D4@C6] p44@C5:?8 E@ E96 k2 9C67lQ9EEADi^^4@?E6?E]?2:4]@C8^2CE:4=6^4@?DF>6C\:?D:89E\4C65:E\32D65\:?DFC2?46\D4@C6D\2C6?E\D2>6\4C65:E\D4@C6\F?56CDE2?5\9@H\4C65:E\2?5\@E96C\724E@CDQm}2E:@?2= pDD@4:2E:@? @7 x?DFC2?46 r@>>:DD:@?6CD W}pxrXk^2m[ E96 724E@CD FD65 E@ 42=4F=2E6 E9:D D4@C6 :?4=F56ik^AmkF=mk=:m!2J>6?E 9:DE@CJk^=:mk=:m~FEDE2?5:?8 563Ek^=:mk=:m{6?8E9 @7 4C65:E 9:DE@CJk^=:mk=:m}6H 4C65:Ek^=:mk=:mrC65:E >:Ik^=:mk^F=m kAm(9:=6 @7E6? 4@CC6=2E65 H:E9 4C65:E D4@C6D FD65 3J =6?56CD[ 2? :?DFC2?46 D4@C6 :D 42=:3C2E65 5:776C6?E=J 2?5 :D EC62E65 2D ;FDE @?6 @7 >2?J 724E@CD :? E96 F?56CHC:E:?8 AC@46DD]k^Am k9bmw@H |F49 r2? *@FC rC65:E !C@7:=6 x?7=F6?46 *@FC pFE@ x?DFC2?46 !C6>:F>k^9bmkAmk2 9C67lQ9EEADi^^HHH]7@@=]4@>^>@?6J^C6D62C49^2G6C286\4@DE\42C\:?DFC2?46\4C65:E\D4@C6^Qm#6D62C49k^2m 56>@?DEC2E6D E92E :? >2?J DE2E6D[ 5C:G6CD H:E9 A@@C 4C65:E AC@7:=6D A2J DF3DE2?E:2==J >@C6 7@C 4@G6C286 E92? E9@D6 H:E9 6I46==6?E 4C65:E AC@7:=6D] u@C 6I2>A=6[ 288C682E6 52E2 7C@> a_ab :?5:42E6D E92E :?5:G:5F2=D H:E9 6I46==6?E 4C65:E AC@7:=6D A2:5 2C@F?5 S`[hcf @? 2G6C286[ H9:=6 E9@D6 H:E9 G6CJ A@@C AC@7:=6D A2:5 2AAC@I:>2E6=J Sc[`cd]k^Am kAmw6C6 2C6 E96 EJA:42= :>A24ED @7 4C65:E @? :?DFC2?46 AC:4:?8]k^AmkF=mk=:mkDEC@?8m!C6>:F> x?4C62D6k^DEC@?8mi p 5C@A @7 @?6 4C65:E E:6C >2J C2:D6 2? :?DFC2?46 AC6>:F> 3J `fT @C >@C6]k^=:mk=:mkDEC@?8m{682= &D6k^DEC@?8mi x?DFC6CD :? >@DE DE2E6D 42? =682==J FD6 4C65:E D4@C6D 2D 2 AC:4:?8 724E@C H96? 56E6C>:?:?8 2 5C:G6C’D C:D<]k^=:mk=:mkDEC@?8m'2C:23:=:EJk^DEC@?8mi %96 568C66 @7 AC6>:F> :?4C62D6 G2C:6D D:8?:7:42?E=J 3J DE2E6 2?5 :?DFC6Cj :? D@>6 42D6D[ E96 5:776C6?46 :? 2??F2= 4@DE :D >@C6 E92? 5@F3=6]k^=:mk^F=m k9bm(9:49 $E2E6D !C@9:3:E @C {:>:E rC65:E $4@C6 &D6 :? pFE@ x?DFC2?46k^9bm kAmq642FD6 :?DFC2?46 C68F=2E:@? :D DE2E6\32D65[ E96 FD6 @7 4C65:E D4@C:?8 G2C:6D D:8?:7:42?E=J 24C@DD E96 4@F?ECJ] z6J CF=6D 8@G6C?:?8 E9:D AC24E:46 :?4=F56 E96 7@==@H:?8]k^Am Listen now and subscribe: Apple Podcasts | Google Podcasts | Spotify | Stitcher | RSS Feed | SoundStack | All Of Our Podcasts kF=mk=:mkDEC@?8m%@E2= q2?Dk^DEC@?8mi u@FC DE2E6D Wr2=:7@C?:2[ w2H2:’:[ |2DD249FD6EED[ 2?5 |:49:82?X 92G6 32??65 :?DFC6CD 7C@> FD:?8 4C65:E :?7@C>2E:@? E@ D6E 2FE@ :?DFC2?46 C2E6D :? >@DE 42D6D]k^=:mk=:mkDEC@?8m!2CE:2= #6DEC:4E:@?Dk^DEC@?8mi p55:E:@?2= DE2E6D[ DF49 2D |2CJ=2?5[ ~C68@?[ 2?5 &E29[ 5@ ?@E 32? E96 AC24E:46 6?E:C6=J 3FE C6DEC:4E 9@H 4C65:E :?7@C>2E:@? 42? 36 FD65] u@C :?DE2?46[ :E >2J ?@E 36 FD65 2D E96 D@=6 C62D@? E@ 42?46= @C 56?J 2 A@=:4J]k^=:mk=:mkDEC@?8m#68F=2E@CJ vF:52?46k^DEC@?8mi $E2E6 C68F=2E@CD @7E6? 42FE:@? 4@?DF>6CD E@ 4964< 5:C64E=J H:E9 E96:C DE2E6’D :?DFC2?46 56A2CE>6?E 3642FD6 =68:D=2E:@? :? E9:D 2C62 4@?E:?F6D E@ 6G@=G6]k^=:mk^F=m k9bm(9J rC65:E w:DE@CJ |2EE6CD 7@C pFE@ x?DFC2?46 !C:4:?8k^9bmkAmx?DFC6CD FE:=:K6 4C65:E\32D65 :?DFC2?46 D4@C6D AC:>2C:=J 7@C E9C66 C62D@?Dik^AmkF=mk=:mkDEC@?8m#:D< !C@IJk^DEC@?8mi x?DFC6CD G:6H 2 DEC@?8 4C65:E 9:DE@CJ 2D 2 AC@IJ 7@C =@H6C @G6C2== C:D<[ 2DD@4:2E:?8 >@C6 4@?D:DE6?E A2J>6?ED 2?5 76H6C 7:?2?4:2= DEC6DD@CD H:E9 9:DE@C:42==J 76H6C 4=2:>D]k^=:mk=:mkDEC@?8mx>AC@G65 #:D< s:776C6?E:2E:@?k^DEC@?8mi rC65:E\32D65 :?DFC2?46 D4@C6D 2==@H :?DFC6CD E@ :?4@CA@C2E6 ?@?5C:G:?8 3692G:@C C:D< 724E@CD :?E@ AC:4:?8 >@56=D[ H9:49 D:8?:7:42?E=J :>AC@G6D C:D< 5:776C6?E:2E:@? 2?5[ DF3D6BF6?E=J[ AC@7:E23:=:EJ]k^=:mk=:mkDEC@?8mp=8@C:E9>:4 !C:4:?8k^DEC@?8mi q642FD6 2FE@ :?DFC2?46 :D AC:465 32D65 @? C:D< 4=2DD6D[ >2?J :?DFC6CD :?E68C2E6 4C65:E D4@C:?8 2D 2 <6J 4@>A@?6?E @7 E96 AC:4:?8 2=8@C:E9>[ 2=@?8D:56 5C:G6C 9:DE@CJ[ G69:4=6 EJA6[ =@42E:@?[ 2?5 @E96C C2E:?8 724E@CD]k^=:mk^F=m k9bm(92E *@F r2? s@ :7 *@FC rC65:E !C@7:=6 xD (62<k^9bmkAmx? DE2E6D H96C6 4C65:E D4@C6D 2C6 A6C>:EE65 2D 2 C2E:?8 724E@C[ 5C:G6CD 42? E2<6 E96 7@==@H:?8 DE6AD E@ 96=A >:E:82E6 E96:C :>A24E @? AC6>:F> 4@DEDik^AmkF=mk=:mkDEC@?8m#68F=2C |@?:E@C:?8 2?5 r@CC64E:@?k^DEC@?8mi x?DFC6CD FD6 2 D4@C6 E:65 E@ E96 4@?DF>6C’D 4C65:E 7:=6[ D@ :?244FC24:6D >2EE6C] xE :D 6DD6?E:2= E@ >@?:E@C 4C65:E C6A@CED C68F=2C=J 2?5 5:DAFE6 2?J 6CC@CD :>>65:2E6=J]k^=:mk=:mkDEC@?8mx>AC@G6 u:?2?4:2= w:DE@CJk^DEC@?8mi x>AC@G6 A2J>6?E 9:DE@CJ 3J DE2J:?8 4FCC6?E @? 2== 3:==D 2?5 <66A:?8 C6G@=G:?8 563E =6G6=D =@H] %96D6 923:ED 2C6 <6J 4@>A@?6?ED 7@C 2? :?DFC2?46\7C:6?5=J D4@C6]k^=:mk=:mkDEC@?8mr@>A2C6 x?DFC6C !C24E:46Dk^DEC@?8mi $9@A 7@C :?DFC6CD H9@D6 F?56CHC:E:?8 AC24E:46D A=246 =6DD 6>A92D:D @? 4C65:E D4@C6D] %9:D :D 6DA64:2==J C6=6G2?E :? DE2E6D H96C6 4C65:E FD6 :D C6DEC:4E65 @C 32??65]k^=:mk=:mkDEC@?8mx?BF:C6 p3@FE ~E96C u24E@CDk^DEC@?8mi pD< 2? :?DFC6C @C 286?E H92E @E96C 724E@CD 2C6 H6:89E65 962G:=J :? E96 DE2E6[ DF49 2D 5C:G:?8 C64@C5 @C G69:4=6 D276EJ 762EFC6D[ D@ E9@D6 2C62D 42? 36 DEC6?8E96?65]k^=:mk=:mkDEC@?8mv6@8C2A9:4 p5G2?E286k^DEC@?8mi sC:G6CD H9@ >@G6 E@[ @C =:G6 :?[ 2 DE2E6 H96C6 4C65:E D4@C6D 2C6 ?@E 2==@H65 2D 2 C2E:?8 724E@C H:== 36?67:E 7C@> E9:D =682= AC@E64E:@?]k^=:mk^F=m kAm%96 492CE 36=@H :D 32D65 @? 52E2 7C@> tIA6C:2? 2?5 DE2E:DE:4D 7C@> E96 }2E:@?2= pDD@4:2E:@? @7 x?DFC2?46 r@>>:DD:@?6CD]k^Amk7:8FC6mk:>8 DC4lQ9EEADi^^:>286D]DE24<6C]4@>^H^`ag_^:>286D^DE@C:6D^a_ad^``^`g^2G6C286\2??F2=\42C\:?DFC2?46\AC6>:F>\3J\4C65:E\D4@C6\E:6C\7@C\7F==\4@G6C286]A?8Q 2=ElQp 52E2 32C 8C2A9 D9@H:?8 E96 2G6C286 2??F2= 42C :?DFC2?46 AC6>:F> 3J 4C65:E D4@C6 E:6C]Q DEJ=6lQH:5E9i `__TQmk7:842AE:@?mk2 9C67lQ9EEAi^^r962Ax?DFC2?46]4@>Qmr962Ax?DFC2?46]4@>k^2mk^7:842AE:@?mk^7:8FC6m k9bmw@H %@ x?E6CAC6E *@FC !@=:4J 2?5 pD< v@@5 "F6DE:@?Dk^9bm kAm(96? C6G:6H:?8 2? 2FE@ A@=:4J @C BF@E6[ :?7@C>65 BF6DE:@?D 42? :>AC@G6 EC2?DA2C6?4J 2?5 4@?EC@= 4@DED]k^Am kF=mk=:m“s@6D E96 :?DFC6C FD6 2 4C65:E\32D65 :?DFC2?46 D4@C6 :? AC:4:?8 7@C E9:D DE2E6n”k^=:mk=:m“(96? 4C65:E :D FD65[ H92E A@CE:@? @7 E96 C2E:?8 2=8@C:E9> :D 3642FD6 @7 4C65:En”k^=:mk=:m“x7 4C65:E :>AC@G6D @C 56E6C:@C2E6D[ H:== E92E 27764E E96 C6?6H2= AC6>:F> @C ;FDE ?6H 3FD:?6DDn”k^=:mk^F=mkAmp? :?5:G:5F2=’D 4C65:E AC@7:=6 42? >2EE6C D:8?:7:42?E=J 7@C 2FE@>@3:=6 :?DFC2?46 4@G6C286 :? >2?J DE2E6D[ J6E E96 CF=6D 2C6 72C 7C@> F?:7@C>] z?@H:?8 E96 DE2E6’D C68F=2E:@?D[ F?56CDE2?5:?8 9@H 4C65:E\32D65 :?DFC2?46 D4@C6D 2C6 2AA=:65[ 2?5 E2<:?8 4@?4C6E6 DE6AD E@ :>AC@G6 @C >:E:82E6 4C65:E :>A24E 2C6 36?67:4:2= 7@C >2?28:?8 A@=:4J 4@DED]k^Am kAmk2 9C67lQ9EEADi^^HHH]4962A:?DFC2?46]4@>^3=@8^9@H\J@FC\4C65:E\D4@C6\C62==J\27764ED\J@FC\42C\:?DFC2?46\C2E6^Qmk6>m%9:D DE@CJk^6>mk^2m k6>mH2D AC@5F465 3Jk^6>m k2 9C67lQ9EEADi^^HHH]4962A:?DFC2?46]4@>^Qmk6>mr962Ax?DFC2?46]4@>k^6>mk^2m k6>m2?5 C6G:6H65 2?5 5:DEC:3FE65 3Jk^6>m k2 9C67lQ9EEADi^^9F3D]=2^"_b<=8$#_Q C6=lQ?@7@==@HQmk6>m$E24<6Ck^6>mk^2m]k^Am 0 Comments Love 0 Funny 0 Wow 0 Sad 0 Angry 0 Originally published on cheapinsurance.com, part of the BLOX Digital Content Exchange. The business news you need Get the latest local business news delivered FREE to your inbox weekly. Sign up! * I understand and agree that registration on or use of this site constitutes agreement to its user agreement and privacy policy. Related to this story Most Popular Delta SkyMiles Program Review ProsValuable miles when used to book flightsGood co-branded credit cardsNo blackout dates on reward flightsSilver members and up get bonus mil… Axos Bank Personal Loan Review ProsRelatively low APRs:11.79% - 20.84%36-72 months to pay loans offQuick fundingAvailable nationwide Watch Now: Related Video Families of Gilgo Beach murder victims express gratitude for Rex Heuermann’s guilty pleas US, Israel and Iran agree to 2-week ceasefire as Trump pulls back on threats US, Israel and Iran agree to 2-week ceasefire as Trump pulls back on threats Son of Gilgo Beach victim files wrongful death suit against Rex Heuermann and his family Son of Gilgo Beach victim files wrongful death suit against Rex Heuermann and his family Bourbon demand is down and tariffs aren't helping. But distillers keep building Bourbon demand is down and tariffs aren't helping. But distillers keep building Recommended for you
Delta SkyMiles Program Review ProsValuable miles when used to book flightsGood co-branded credit cardsNo blackout dates on reward flightsSilver members and up get bonus mil…
Axos Bank Personal Loan Review ProsRelatively low APRs:11.79% - 20.84%36-72 months to pay loans offQuick fundingAvailable nationwide
