Boost Your Credit Score to Lower Your Insurance Rates

You work hard for your money—so why should you pay more for insurance than you have to? At Goodman Insurance Solutions, we believe in giving you the tools to keep more cash in your pocket. One of the easiest ways to do that? Improve your credit score.

Here’s why it matters for your insurance costs—and how to start boosting yours today.

How Your Credit Score Impacts Insurance Rates

Insurance companies don’t just look at your driving record or claims history—they also consider something called an insurance score. This score is partly based on your credit history and helps predict the likelihood of you filing a claim.

Higher credit score = lower perceived risk = lower premiums.

It’s that simple.

Research shows that drivers with higher credit scores tend to file fewer claims, which saves insurers money. Those savings often get passed down to you in the form of lower rates.

3 Quick Ways to Raise Your Credit Score

Pay bills on time—every time

Even one late payment can drag your score down. Set reminders or use auto-pay to stay on track.

Keep balances low

Using too much of your available credit can hurt your score. Aim to use less than 30% of your credit limit.

Check your credit report regularly

Mistakes happen, and errors on your report can cost you. You’re entitled to a free report each year at AnnualCreditReport.com—use it.

Why This Matters Beyond Insurance

A good credit score doesn’t just lower your insurance premiums—it can also mean better loan approvals, lower interest rates, and even easier approval for rentals. In other words, it’s a financial win-win.

Bottom line: The higher your credit score, the more money you can save—on insurance and beyond. At Goodman Insurance Solutions, we’ll help you make sure your credit score works for you, not against you.

📞 Call us at 620-531-0261 for a free policy review and see how your credit score could be helping—or hurting—your rates.