 TITLE: Why Do Auto Insurance Companies Consider Your Credit? CONTENT: What Additional Factors Do Auto Insurers Look at to Determine Rates?\n--------------------------------------------------------------------\nEven where it's allowed, your credit generally won't be the primary factor dictating whether you get offered a policy and how much you pay. Auto insurance companies consider many criteria when setting rates, including:\n*   **Your driving record**: A clean driving record can help you get lower auto insurance rates.\n*   **Where you live**: It may be more or less expensive to insure a vehicle depending on where you live, as some areas have higher rates of vandalism, theft and accidents than others.\n*   **Demographics**: Your age, sex and marital status could also impact your rates in most places.\n*   **The type of vehicle**: Some vehicles are more expensive to insure than others, which is one thing you may want to consider when buying a vehicle.\n*   **The types of insurance**: Auto insurance can encompass different types of coverage, including liability, collision and comprehensive coverage. Your deductibles and insurance limits also impact your rates.\n*   **Discounts**: You may be eligible for a wide range of discounts that can lead to lower insurance rates, such as a multi-policy discount if you also have homeowners or renters insurance with the same company.\n*   **The company**: Auto insurance providers may specialize in different types of coverage or drivers and weight factors differently. Getting quotes from several companies can help you find the best rate. END