#4. Use Your Credit If You Can

Credit can play a significant role in your search to get the best car insurance rates available. Only three states (Massachusetts, California and Hawaii) do not allow credit to be part of the equation, while the rest give car insurance agencies leeway when it comes to credit as part of the rate calculation.

If your credit isn’t good, try to address this first. Pay your bills on time and avoid actions that can negatively impact your score. Contact a local credit union and take out a personal loan, even if it’s a small one. A $200 loan may require a $200 deposit, but let it work on its own by having them take the money out of it. Doing this will improve your credit in a short time and will be worth it in the end.

Continue building your score and soon your insurance premiums will be lower. Take advantage of the free annual credit report to track your progress.