(5) Smart Ways to Keep Your Insurance Score High (and Why It Matters)

Did you know your insurance score could be quietly influencing how much you pay for auto and home insurance?

Unlike your driving record or claims history, your insurance score is based largely on credit-related habits—and insurers use it to predict how likely you are to file a claim.

The good news? You can take simple steps to improve or maintain a high insurance score, which often leads to lower premiums and better coverage options.

What is an Insurance Score (in Simple Terms)?

It’s a number based on factors like your bill payment history, outstanding debt, and the length of your credit history. A higher score signals to insurers that you’re a lower risk—which can mean more affordable insurance.

5 Tips to Keep Your Insurance Score High

✅ 1. Pay Your Bills on Time

Late payments are one of the biggest score-killers. Set up auto-pay or calendar reminders to stay on track.

✅ 2. Keep Credit Card Balances Low

Try to keep usage below 30% of your credit limit to show responsible borrowing.

✅ 3. Avoid Excessive New Credit Inquiries

Every credit application triggers a “hard pull” that can slightly lower your score. Only apply when necessary.

✅ 4. Keep Long-Standing Accounts Open

Older accounts show financial stability. Don’t close them unless you have to.

✅ 5. Monitor Your Score Regularly

Check your credit reports annually and correct any errors. Ask your insurer if they use insurance scores—and if you can see yours.

Bottom Line:

A better insurance score means better rates. It’s a smart way to save without cutting coverage.

If you’re curious how your insurance score may be affecting your premiums—or want a free policy review—reach out to our team at Page Insurance. We’re here to help you protect what matters and save where it counts.

Page Insurance Ltd.

Call Us: (203) 453-5258

Email Us: service@pageins.com

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