How high the insurance quote you get is is influenced by your credit history. The lower your credit rating, the higher the rates you attract. What your credit rating reveals is how you treat your bills and it speaks badly about you if it’s a poor one. No insurer is happy with this as it shows a pattern you are very likely to repeat in the payment of rates. This marks you out as a bigger risk and so justifies a higher rate.

It will, therefore, be a smart step to do something about improving your credit rating. It makes it easier for you to get lower rates among other things.