Car insurance companies use a range of factors to calculate a driver’s rates, including their age, driving history, and credit score. Young drivers, people with blemishes on their driving records, and ...

Drivers with poor credit usually pay for more car insurance. That's because, in the majority of states, car insurance companies can use your credit history when determining your monthly premiums.

Uncontrollable Factors: Age, gender, and location (urban vs. rural) are key factors that affect insurance rates but are beyond your control. Controllable Factors: Driving history, vehicle type, and ...

I thought I had my household finances dialed in -- savings accounts optimized, cards chosen for rewards, even gas stations mapped by price. But one bill I never second-guessed? Car insurance. It ...