Keeping your premiums from rising? That can feel like playing a game where the rule maker refuses to tell you the rules.

*If you have good credit, you’ll pay less on car insurance.

Almost all car insurers including the top five pull your credit report.

Why? Studies have shown a direct correlation between your credit score and the likelihood that you will file a claim.

Car Insurers also know that if you pay your bills in a timely fashion and have had the same credit accounts for a long time, you’re more stable than someone who pays late and frequently opens and closes accounts.

Car insurers use this information to create your “insurance risk score,” which is one factor that determines your car insurance rate.