Insurers use your credit score to determine risk factors before making an insurance quote. So check your credit rating to make sure nothing is amiss. Other tactics to keep your credit score high include paying bills on time, closing credit card accounts that you are not using, and keeping your credit balances as low as possible. Credit scores can take several months to adjust to new situations, so don't expect an immediate benefit.
Many insurance providers try to maximize profits from their users by cutting the payments into monthly fees, then adding in finance charges on top of the actual policy cost. People who plan ahead can avoid these fees by purchasing the entire policy up front. No matter what form of insurance you are buying, discounts exist for customers that carry less risk to the insurance company. Make sure you ask for all possible discounts before accepting a quote.
