Question 1

What is an insurance score?

Accepted Answer

A car insurance score is the score a company assigns a driver. It is based on risk factors and shows how likely a customer is to file a claim.

Question 2

How is an insurance score calculated?

Accepted Answer

Auto insurance scores are calculated from credit scores, driving records, demographic information, and similar factors.

Question 3

Why is my car insurance so high?

Accepted Answer

Your auto insurance rates may be high because you have a low car insurance score. You can lower your auto insurance rates by working to improve your score.

Question 4

Why is my auto insurance score going down?

Accepted Answer

Several factors can contribute to a decrease in your auto insurance score, which insurance companies use to assess risk and determine premiums. Your auto insurance score is based on the information in your credit report as well as your driving record, accident history, claims history, and driving record.

Question 5

Do claims affect auto insurance scores?

Accepted Answer

If you have filed a claim through your auto insurance recently, this is another reason why your auto insurance score could have gone down a bit. It shows that you are more likely to file another claim in the future.

Question 6

Can a decrease in my auto insurance score lead to higher premiums?

Accepted Answer

Yes, a lower auto insurance score can lead to higher insurance premiums. Insurance companies use various factors, including your insurance score, to assess risk and determine the cost of your coverage. A lower score may indicate a higher perceived risk, resulting in an increased auto insurance premium.

Question 7

Can I switch insurance companies to improve my auto insurance score?

Accepted Answer

Switching insurance companies may not directly improve your auto insurance score since the score is typically based on your individual risk factors and history. However, different insurance companies may have varying underwriting criteria and rating systems.
It’s possible that another insurance company may assess your risk differently and offer more competitive rates based on your circumstances. If your car insurance is too expensive, we recommend shopping around for cheaper rates. Compare quotes today with our free tool to find affordable insurance with a low auto insurance score.

Question 8

Can I switch insurance companies to improve my auto insurance score?

Accepted Answer

Switching insurance companies may not directly improve your auto insurance score since the score is typically based on your individual risk factors and history. However, different insurance companies may have varying underwriting criteria and rating systems.
It’s possible that another insurance company may assess your risk differently and offer more competitive rates based on your circumstances. It’s recommended to shop around and compare car insurance quotes from multiple insurers to find the best coverage options and premiums available to you.

Question 9

How can I check my insurance score?

Accepted Answer

Not sure how to check insurance scores? You can ask your auto insurance company or use LexisNexis to get one free auto insurance report a year (Learn More: Best Auto Insurance Companies That Use LexisNexis).

Question 10

Why would my insurance go up?

Accepted Answer

Auto insurance rates can go up because of changes to auto insurance score factors, such as filing a claim, getting a ticket, or moving to another area.

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Why is my auto insurance score going down? (Simple Breakdown in 2025)

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Tag: insurance score

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Why is my auto insurance score going down? (Simple Breakdown in 2025)

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