Why Does Credit Rating Affect Car Insurance? 
Insurers typically use insurance scores not credit scores , but they are in-bedded with some of the same information . For most insurers this is one way of measuring your responsibility . Responsibility is a key ingredient in knowing if you understand what risks you are taking . Let me give you an example . Suppose you want to hand the keys of a new Ferrari over to a 16 year old . An insurer is going to look at that and say . . wait a minute , does that driver know how to drive such a powerful and expensive car . Will he or she give someone else the keys and let them drive . will he or she be using the car for delivery of Pizzas . All of those things might require a specific answer . Yet insurance scores give an insurer information on how you have acted in variety of situations and credit is part of that shorthand that conveys to an insurer that you are or are not a generally responsible person . The most accurate measure of how you will drive is how often you will drive . So be sure to add that element to your discussion with an agent . He or she may have polices from insurers who give discounts to those who use a vehicle say less than 4.000 mile s a year . Talk to your agent and give him or her enough information to be able to accurately present you and your exposures to many companies . 