Driving record is the obvious rating factor. In Arizona a credit-based insurance score is another, and it moves premiums for drivers who have never had a claim.
Insurance scores are permitted in Arizona and they are not your credit score. They are built for this purpose.
Three things about a rating factor nobody mentions.
A credit-based insurance score is derived from credit information but it is not your credit score, and it is calculated differently. Arizona permits its use in rating, and it can affect a premium as much as a minor violation would. Most drivers have never been told it is part of the calculation.
The score moves as the underlying information does. A household whose position has improved since the policy was written may be paying a rate set against an older picture, and the only way to find out is to re-shop rather than renew.
It is one input among many and companies do not weigh it identically. That is a large part of why two carriers quote the same driver differently, and why comparing across several is worth more than it appears.
Why the quote is what it is.
A long-held policy can reflect an old picture.
They weigh the inputs differently, which is the opportunity.
If your position improved, the rate may not have followed.
Tell us how long you have held the current policy and whether anything has changed.
We put your file in front of carriers that weigh the inputs differently.
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