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What is an Independent Insurance Agent?
An Independent Insurance Agent is one that represents an average of eight insurance companies and can find you the best rate and the best policy that fits both your budget and your insurance needs. An Independent agent can provide personal & cost saving insurance options to you and your family.
Credit Scores –
When buying insurance your insurance company checks on how good your credit score is. How good is your credit score?
Why does this matter with buying insurance?
92% of all insurance companies use your credit score information to determine your insurance rates. They use a formula to underwrite any new business and the rates you pay. The higher your credit rating is will help you with lower premiums for the insurance you buy.
The facts are that drivers with the worst credit ratings file 40 percent more claims than drivers with strong credit ratings according to the Insurance Information Institute in New York. Insurance rates can vary as much as 20 – 50% more if you have a lower credit rating. Along with your driving record and claim history these things can have a huge impact on your insurance premiums.
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