I see a lot of people complain that they have a good driving record but bad credit & their insurance rates go up..
Is having good credit better then having a good driving record?
A good driving record is better than a good credit rating. a good driving record shows that you are less likely to have an accident. a bad credit rating means nothing as long as you keep making the insurance payments on time.
No, credit score is one of many factors they look at to set your level of risk and your rate.
A bad driving record would carry more weight than a bad credit score. a bad credit score might be something that would not let you make monthly payments though, and you would have to pay the full amount in advance.
Bad credit is not as important as driving record but after your age it is probably the largest factor in determining your rates. the insurance company looks at factors that indicate how big a risk you are. How likely are they to have to pay a claim? to begin with poor credit indicates irresponsibility. Irresponsible people are more likely to have accidents.
Also, it's not the credit score itself but rather credit score as an indicator of income level. They use credit score because they can't ask you to file a financial statement or at least it would be too much trouble to read it. Credit score is simple. Poor people file more claims than richer ones because they can't afford to repair some things on their own, poor people are more likely to exaggerate damage and injuries trying to make a few extra bucks, and in extreme cases are more likely to commit outright fraud, staging accidents and destroying their cars.
Credit score,driving record and zip code are all factors.
Are auto insurance rates determined by credit score & not driving record?
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Bad credit is usually a score of 650 or less.
Reason, question of temptation in some positions.
Others, the company personal, does not want to worry about the possibility of garnishment of wages.
How Your Credit Score Can Impact Your Car Insurance Rates
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I am 72 years old. On social Security and work full time with Employer provided health insurance. They pay about 80% of the premium. This january I spent 1 and 1/2 days in the hospital and received a pace maker. So far I have had out of pocket expenses of $3500. Deductables, third party billing in excess of insurance company contract allowances and Insurance company claims making social security Medicare the primary provider and the Insurance company the secondary provider where the most visable reasons. Don't get sick or ill your lifetime savings will be plundered!
OMG OMG OMG NO. Sorry, insurance company, but I'd burn it to the motherfucking GROUND.
I wonder if the insurance company was able to enter into the sports betting market to hedge it's position. Relying on Zitzewitz's report that at the time of the promotion the Sox were judged to have about a 10 percent chance of winning the Series, the insurance company could have hedged against the possibility that they would have to pay off the consumers by betting that the Sox would win.
(Of course, if the betting markets were accessible, the furniture store could have done this themselves.)
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