Why Does Bad Credit Affect Car Insurance? 
Over the years car insurance providers as well as providers of other insurance solutions , have evolved their underwriting review practices in order to better evaluate the risk they are being asked to insure . Many years ago things like the color of a car or whether it had 2 or 4 doors would affect the premiums paid . These days , hoewever , insurance companies are much more sophisticated intheir evaluation rocedures and many have included credit history when evaluating an applicants ; request . Simnilar to one 's driving record and accident history , a credit report can help an insurance companyu to better understand the risk factors of one 's life style . Thus , a better credit history , along with a clean drigving record , hepls an insurer to feel more confident that they are insuring a person less inclined toward risky decisions . 