To Save Money on Auto Insurance, Check Your Record

Auto insurance companies like to check a consumer's background for clues into risks and how high they will set their auto insurance rates.

• Some auto insurance companies check a database that lists any claims you may have filed.
• Some auto insurance companies use your credit score to influence how your auto insurance rates are set. The higher the credit score, the better for your auto insurance rate.
• Your driving record is the most important information that an auto insurance company will collect. Tickets, infractions, DUI's...these all can negatively affect your driving record and boosts your auto insurance rates.

It is your right to correct any erroneous or incorrect information on your credit report or driving record. After a certain amount of years, traffic tickets should drop off of your record. With credit reports, mistakes and incorrect information can negatively affect your score and make your auto insurance rates rise. Be sure to clean up any mistakes on your report by contacting any of the three credit bureaus.