Why do insurance companies turn by credit rating to charge for insurance instead of driving history ?

Answers: Because if you have a history of delinquent payments, it doesn't situation if you're the best driver in the world. You're still not paying! Source(s): Common Sense
They consider many factor for your auto insurance rates. They use your credit history to find out your stability and you past payment history and studies own shown people with accurate credit or less likely to record claims or fraud. If you are frustrated with the quotes you are getting go to http://www.nationwidebillrelief.com and bring some quotes that are accurate without giving up your social security number.
because they are a bunch of blood sucking thieves
JD.
they say by their statistics that society with good credit don't database as many claims as people next to bad credit
i was an agent for 30 years, i vote the more expensive the car and house, the more claims they will file and over the lowest little thing
It isn't that one is used instead of the other, both are truly in the list of factor that help drive your insurance rates. Also included in that roll are age, gender, vehicle, place where the vehicle is kept when parked.

Unfortunately, throughout the years satisfactory statistical data has be collected to correlate the likelihood of someone filing a claim and their credit history. People beside lower credit scores are more likely to enjoy accidents/file claims.

Also, know that just because you don't give your ss# does not niggardly that credit information isn't pulled--if it isn't given but it is used by the company you are getting a quote from in your state, the information is still obtainable through Experian and similar companies base on "credit address." Giving your social just guarantees more accurate information and allows the company to verify your identity on the back close, actually further protecting you. Source(s): licensed agent
You should call the insurance company,and ask them why your rates go up 3 times

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