{"id":5365,"date":"2024-11-07T23:57:26","date_gmt":"2024-11-08T07:57:26","guid":{"rendered":"\/wp-site\/?p=5365"},"modified":"2025-01-31T12:29:14","modified_gmt":"2025-01-31T20:29:14","slug":"credit-based-insurance-score","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/credit-based-insurance-score\/","title":{"rendered":"Credit-Based Insurance Scores: How They Work"},"content":{"rendered":"\n<p>A credit-based insurance score is similar to a score from an agency like FICO, but <a href=\"\/car-insurance\/\">car insurance<\/a> companies use a unique scoring method to evaluate your credit with more emphasis on payment history and less on the types of credit you use.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"insurance-vs-credit-score\">Insurance score vs. credit score<\/h2>\n\n\n\n<p>While both scores use credit report data, they focus on different aspects of your report and use unique models to assess risk.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A credit score is primarily used by lenders to assess your creditworthiness, meaning how likely you are to repay borrowed money. Factors like payment history, credit utilization, and length of credit history all contribute to your credit score.<\/li>\n\n\n\n<li>An insurance score is used by insurance companies to help determine your insurance premiums. It tries to predict the likelihood that you\u2019ll file an insurance claim and the potential cost of that claim.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Here\u2019s a breakdown of how a standard FICO credit score is determined versus an insurance-based credit score:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Factor<\/th><th class=\"has-text-align-left\" data-align=\"left\">FICO score<\/th><th class=\"has-text-align-left\" data-align=\"left\">Credit-based insurance score<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Payment history\/past credit performance<\/td><td class=\"has-text-align-left\" data-align=\"left\">35%<\/td><td class=\"has-text-align-left\" data-align=\"left\">40%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Outstanding debt<\/td><td class=\"has-text-align-left\" data-align=\"left\">30%<\/td><td class=\"has-text-align-left\" data-align=\"left\">30%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Length of credit history<\/td><td class=\"has-text-align-left\" data-align=\"left\">15%<\/td><td class=\"has-text-align-left\" data-align=\"left\">15%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">New credit<\/td><td class=\"has-text-align-left\" data-align=\"left\">10%<\/td><td class=\"has-text-align-left\" data-align=\"left\">10%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Credit mix<\/td><td class=\"has-text-align-left\" data-align=\"left\">10%<\/td><td class=\"has-text-align-left\" data-align=\"left\">5%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"does-credit-affect-insurance-costs\">Does credit score affect car insurance costs?<\/h2>\n\n\n\n<p>Yes, in states where it is legal to use a driver\u2019s credit score to determine their car insurance premiums, credit score can affect premium costs. Once your provider has calculated your credit-based insurance score, it \u2014 along with other factors, like your driving record, age and claims history \u2014 is used to help<a href=\"\/car-insurance\/how-is-car-insurance-calculated\/\"> calculate your car insurance rate<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-jerry-cta\"><div class=\"flex flex-col items-start gap-4 rounded-xl border border-zinc-200 px-12 py-8 md:flex-row md:items-center md:gap-14\"><div class=\"flex-1\"><span class=\"text-xl font-black text-gray-900\">SIMPLIFY YOUR CAR INSURANCE IN MINUTES<\/span><\/div><div class=\"flex-1\"><a href=\"\/signup\/insured?service=insurance\" class=\"bg-primary block w-full rounded-full px-14 py-2 text-center font-black text-white hover:no-underline\">Find savings now<\/a><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">How does credit score affect my car insurance rate?<\/h3>\n\n\n\n<p>Your credit score is one of many factors that insurers use to calculate your premium, but a low score may lead to a higher rate. According to <a href=\"https:\/\/www.ftc.gov\/sites\/default\/files\/documents\/reports\/credit-based-insurance-scores-impacts-consumers-automobile-insurance-report-congress-federal-trade\/p044804facta_report_credit-based_insurance_scores.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">a 2007 Federal Trade Commission (FTC) report<\/a>, drivers with poor credit are more likely to make an insurance claim, meaning they pose a higher financial risk to insurers.<\/p>\n\n\n\n<p>Here are the average monthly insurance rates offered to drivers with various credit scores, according to Jerry\u2019s quote data.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>Credit score<\/td><td>Average monthly quote<\/td><\/tr><tr><td>Less than 550<\/td><td>$268<\/td><\/tr><tr><td>550 to 659<\/td><td>$263<\/td><\/tr><tr><td>660 to 750<\/td><td>$235<\/td><\/tr><tr><td>Greater than 750<\/td><td>$189<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Sample quotes are for drivers who shopped for car insurance with Jerry on or after Jan. 1, 2024 and selected Camry as their car model, requested state minimum coverage, have no violations on their records and don&#8217;t live in CA, HI, MD, MA, MI, NV, OR or UT.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"states-phasing-out-credit-based-insurance\">Some states are phasing out credit-based insurance scores<\/h2>\n\n\n\n<p>The use of credit-based insurance scores to determine premiums is prohibited in <a href=\"\/car-insurance\/california\/\">California<\/a>, Hawaii and <a href=\"\/car-insurance\/massachusetts\/\">Massachusetts<\/a>.<\/p>\n\n\n\n<p>In <a href=\"\/car-insurance\/michigan\/\">Michigan<\/a>, insurers can\u2019t use your credit score or credit history to deny you coverage or cancel your existing policy. But they can use credit information to determine how you&#8217;ll pay your premium (monthly installments versus paying in full, for example).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"tips-to-improve\">How to improve your credit-based insurance score<\/h2>\n\n\n\n<p>Here are a few ways to improve your credit for a chance at a lower premium.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pay bills on time.<\/strong> If you have an auto loan or other regular loan payments, make on-time payments to maintain good credit.<\/li>\n\n\n\n<li><strong>Pay down debt.<\/strong> Generally, the less debt you have, the better.<\/li>\n\n\n\n<li><strong>Keep your credit utilization low.<\/strong> Using credit cards can improve your credit score as long as you pay the balance each month and maintain low credit utilization. Using a large portion of your available credit may indicate that you\u2019re overextended and may struggle to make bill payments on time. If your utilization is high, consider requesting a higher limit on your credit card.<\/li>\n\n\n\n<li><strong>Avoid opening new credit.<\/strong> Taking on more debt can lower your credit score.<\/li>\n<\/ul>\n\n\n\n<div class=\"!mbs-12 !mbe-12 wp-block-jerry-faqs text-lg text-slate-500 wp-block-jerry-faqs\">\n  <!-- Title -->\n    <h2 class=\"medium-title text-black mb-1.5 pt-12 uppercase\">\n    FAQ  <\/h2>\n  \n  <!-- Accordion -->\n  \n<div class=\"max-w-screen-lg my-6 [&amp;_li:last-child]:border-b-0\">\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Is it legal for insurance companies to use credit scores in determining insurance rates?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>In all states except <a href=\"\/car-insurance\/california\/\">California<\/a>, Hawaii and <a href=\"\/car-insurance\/massachusetts\/\">Massachusetts<\/a>, car insurance companies can legally use your credit information to determine your insurance risk.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        How do you get a copy of your credit report?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>You can view your free credit report at <a href=\"https:\/\/www.annualcreditreport.com\/index.action\" target=\"_blank\" rel=\"noreferrer noopener\">annualcreditreport.com<\/a>. This will help you understand what your insurance provider sees when they your profile.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Does requesting a car insurance quote affect my credit score?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Comparing car insurance quotes does not affect your credit score or your credit-based insurance score. When you request a quote for car insurance, the insurer performs a soft credit check, which doesn&#8217;t affect your credit score but does show up on your credit report. Quote requests also don&#8217;t affect your credit-based insurance score.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n<\/div>\n\n  <!-- Contact link -->\n  <\/div>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/11\/Megan-Lee.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/11\/Megan-Lee.png 250w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-150x150.png 150w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-56x56.png 56w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Megan Lee            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Megan Lee is an editor, writer, and SEO expert who specializes in insurance, personal finance, travel, and healthcare. She has been published in U.S. News &amp; World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for several websites, including NerdWallet. When she`s not crafting her next piece of content, Megan adventures around her Midwest home base where she likes to drink cortados, attend theme parties, ride her bike and cook Asian food.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/12\/Annie-Millerbernd.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/12\/Annie-Millerbernd.png 250w, \/wp-content\/uploads\/2024\/12\/Annie-Millerbernd-150x150.png 150w, \/wp-content\/uploads\/2024\/12\/Annie-Millerbernd-56x56.png 56w, \/wp-content\/uploads\/2024\/12\/Annie-Millerbernd-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Annie Millerbernd            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by <a href=\"https:\/\/scholarlycommons.law.northwestern.edu\/cgi\/viewcontent.cgi?article=1455&amp;context=nulr\" target=\"_blank\" rel=\"noopener\">Northwestern University<\/a> and <a href=\"https:\/\/www.hks.harvard.edu\/sites\/default\/files\/centers\/mrcbg\/214_AWP_final_2.pdf\" target=\"_blank\" rel=\"noopener\">Harvard Kennedy School<\/a>. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.<\/p>\n<p>Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor&rsquo;s degree in journalism from the University of Minnesota.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2025\/04\/Jessica-Carter.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2025\/04\/Jessica-Carter.png 250w, \/wp-content\/uploads\/2025\/04\/Jessica-Carter-150x150.png 150w, \/wp-content\/uploads\/2025\/04\/Jessica-Carter-56x56.png 56w\" sizes=\"auto, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Jessica Carter            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              Jessica has spent over a decade in the insurance industry, developing deep expertise across customer service, sales, and chat support. She spent 7 years at GEICO, where she gained hands-on experience helping customers navigate policy changes, coverage needs, and billing concerns. For the past 5+ years, Jessica has been at Jerry, where she continues to support customers with empathy and clarity, always focused on making insurance easier to understand. She is passionate about finding the right solutions for every situation and believes in delivering service that\u2019s both helpful and human. When she\u2019s not working, she\u2019s proudly enjoying life as a mom.            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>In states where insurers are permitted to use credit-based insurance scores, drivers with lower scores may pay higher rates.<\/p>\n","protected":false},"author":19,"featured_media":64494,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"single-advice","meta":{"jerry_authors":"[{\"id\":\"366\",\"type\":\"main-author\"},{\"id\":\"370\",\"type\":\"editor\"},{\"id\":\"379\",\"type\":\"reviewer\"}]","jerry_author_ids":[366],"jerry_idx_page_label":"","jerry_meta_desc":"Drivers with fair or poor credit may pay higher rates than those with good or excellent credit.","jerry_related_posts":"[48336,20782,1531,31940,4017]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"yes","_lmt_disable":"","footnotes":"[]"},"categories":[],"tags":[31],"class_list":["post-5365","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","tag-car-insurance"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/5365","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=5365"}],"version-history":[{"count":10,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/5365\/revisions"}],"predecessor-version":[{"id":64493,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/5365\/revisions\/64493"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/64494"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=5365"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=5365"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=5365"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}