Your credit history has a big impact on your rate and therefore determines whether you find low cost insurance quotes or NOT. The poorer your credit rating, the higher the rates you get. A poor credit rating means that you have not been paying your bills promptly. This is a pattern that most insurers believe will play out again in the way you treat your premiums. This marks you out as a bigger risk and so justifies a higher rate.
It will, therefore, be a smart step to do something about making your credit rating better. You will attract lower rates if you do.
