Does Car Insurance Help You Build Credit? 
That is a great question ! It is a fact that many insurers will base a part of your premium cost on your credit rating and history , so it pays to have a solid score and history . In a way , your insurance can affect your credit rating , but only in the same way that any other monthly account would - do you make your payment on time and regularly . But the fact of having insurance will make no real impact at all on your credit rating , other than building good payment habits . Thank you for asking ! 