Well the answer to that is simply yes. Your rates do get affected by your credit. The lower the credit score the higher your premium. Now I bet your asking why should it affect the premium? What does it have to deal with auto insurance? Well your credit affects your insurance policy because it’s your background on payments and also if you will be likely to file a claim or not also. Weird.....Trust me I understand how they can get all of this information off of a credit score and determine so much, but it’s possible and they do. Your credit is very important now a days it follows you everywhere. It affects policies even when buying a house or trying to get a credit card. The higher your score the more you will be eligible to receive discounts. Having good credit shows you are being responsible. It also shows your low risk to the company and will not cost them money. Always make sure to read over your policy and make sure that you do not have any hidden fees or anything. It's better to get a quote with a good company you want a company that will cover you always. Maybe even a couple quotes to just know which could benefit you and also help you save but still meeting the requirements. There are ways to help your credit score which include paying off old credit card debts paying your balance down under at least 30% little things like that help your credit score build a lot of points in a short period of time.