"Real Insurance Letter"
Our Use of Credit History in Determining Your Rate
Your insurance premium or rate is based on many factors including the type of vehicle you drive, the amount and types of coverages you purchase, and the driving and claims history of those on your policy. We also use your credit history to calculate an insurance credit score, which is another factor we use to determine your rate.
Because your credit history can change over time, you have the option to request that we review your credit history and update your rate at your next renewal, but you can only make this request once in a 12-month period. It's important to know that our review of your credit history cannot negatively affect your rate. There are many other factors, such as changes in your driving history or changes in the premium we charge, that may also affect your renewal rate.
It is all waaay more important than what we give it credit for.