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How Your Credit Rating Impacts Home Insurance Costs

How Your Credit Rating Impacts Home Insurance Costs

It's amazing how many people in Virginia are not aware the tremendous impact their credit rating has on most everything they purchase throughout their lives. For instance, homeowner's insurance. Many people have no idea why their rates may be substantially higher than someone who has the same coverage. The answer may very well be their credit rating.

It's true. You credit rating can make or break you in many situations. Insurance companies take a long look at your credit rating prior to determining the amount of your individual insurance premiums.

Just like any other business, the insurance business does not want to assume the risk that is associated with someone that has a low credit rating. Thus, they pass the costs on to you if you have a low credit rating. They feel it may be likely you will neglect to pay your bills, so they make certain you are charged more for the risk they assume to insure you.

On the other hand, if you have a high credit rating, you are given a much lower insurance rate. This is even more incentive to keep your credit at an optimal level. The fact that you can save money on your insurance by having paid your bills on time is even more incentive to keep doing so.

However, take heart if you have a low credit rating, you can work to repair it. The best way to start getting a better credit rating is to be certain you pay your bills on time. It's a good idea to pay them early if possible. When you continue to pay your bills on time, it will make a difference over time, but it will take time.

Also, if you are forced to pay higher homeowner's premiums because of bad credit, you should consider offsetting some of this by finding other ways to lower your insurance bills. One great way to do just this is by increasing your deductible. This may make up for the difference you have to pay for having a low credit rating.

Free Home Insurance Quotes in Virginia

Accomack County
Franklin County
Norton City County
Albemarle County
Franklin City County
Nottoway County
Alexandria City County
Frederick County
Orange County
Alleghany County
Fredericksburg City County
Page County
Amelia County
Galax City County
Patrick County
Amherst County
Giles County
Petersburg City County
Appomattox County
Gloucester County
Pittsylvania County
Arlington County
Goochland County
Poquoson City County
Augusta County
Grayson County
Portsmouth City County
Bath County
Greene County
Powhatan County
Bedford County
Greensville County
Prince Edward County
Bedford City County
Halifax County
Prince George County
Bland County
Hampton City County
Prince William County
Botetourt County
Hanover County
Pulaski County
Bristol County
Harrisonburg City County
Radford City County
Brunswick County
Henrico County
Rappahannock County
Buchanan County
Henry County
Richmond County
Buckingham County
Highland County
Richmond City County
Buena Vista City County
Hopewell City County
Roanoke County
Campbell County
Isle Of Wight County
Roanoke City County
Caroline County
James City County
Rockbridge County
Carroll County
King And Queen County
Rockingham County
Charles City County
King George County
Russell County
Charlotte County
King William County
Salem County
Charlottesville City County
Lancaster County
Scott County
Chesapeake City County
Lee County
Shenandoah County
Chesterfield County
Lexington City County
Smyth County
Clarke County
Loudoun County
Southampton County
Clifton Forge City County
Louisa County
Spotsylvania County
Colonial Heights City County
Lunenburg County
Stafford County
Covington City County
Lynchburg City County
Staunton City County
Craig County
Madison County
Suffolk City County
Culpeper County
Manassas City County
Surry County
Cumberland County
Manassas Park City County
Sussex County
Danville City County
Martinsville City County
Tazewell County
Dickenson County
Mathews County
Virginia Beach City County
Dinwiddie County
Mecklenburg County
Warren County
Emporia City County
Middlesex County
Washington County
Essex County
Montgomery County
Waynesboro City County
Fairfax County
Nelson County
Westmoreland County
Fairfax City County
New Kent County
Williamsburg City County
Falls Church City County
Newport News City County
Winchester City County
Fauquier County
Norfolk City County
Wise County
Floyd County
Northampton County
Wythe County
Fluvanna County
Northumberland County
York County

Major Cities in Virginia

Alexandria
Newport News
Portsmouth
Chesapeake
Norfolk
Virginia Beach
Hampton


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