How Arizona Homeowners’ Credit Scores Affect Their Insurance Premiums

Insurance companies that offer homeowners in Green Valley, AZ consider many factors when determining policy premiums, including how frequently natural disasters occur in Arizona, the crime rates in Green Valley and the price of the home being insured. Did you know that most insurers also consider your credit score when calculating your homeowners insurance premium? This is both legal and common in the insurance industry.

Your Credit-Based Insurance Score

Your credit-based insurance score is a numerical value that is largely based on your credit score. The higher your credit score is, the higher your credit-based insurance score is and more likely you are to be given the lowest rates on homeowners insurance. If your score is too low, an insurance company may penalize you by raising your premiums.

To improve your credit score, you can:

  • pay your bills on time
  • reduce outstanding debts
  • monitor your credit record for incorrect information

Shopping for Insurance with Good or Bad Credit

Whether you have a good or bad credit score, at the Insurance Center of Green Valley we can help you find an affordable homeowners policy. Most insurance companies consider your credit when calculating premiums, but they all use it differently.

As an independent insurance agency, we’ll compare all the policies available for you and see which ones have the lowest rates. If you have good credit, we’ll look for a policy that rewards that. If your credit record is tarnished, we’ll compare policies that don’t weigh your credit as much. Either way, we can help you find a policy with a low price. Contact us today to see what we can do for you.

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New To Arizona? You’ll Need an Arizona Auto Insurance Policy

Have you recently moved to Green Valley, AZ? If so, let us at the Insurance Center of Green Valley be one of the first to welcome you to the state. As you get settled in, keep us in mind. You’ll soon need an Arizona auto insurance policy, and we can help you find great rates on one.

You’ll Need an Arizona Auto Insurance Policy

If you’ve recently moved to Arizona, you’ll have to register your car with Arizona’s Department of Transportation (DOT), of course. When you go to register your car, you’ll need an insurance policy from an insurer in the state. Unfortunately, the DOT doesn’t accept out-of-state insurance policies.

We Can Help You Find Affordable Coverage

At the Insurance Center of Green Valley, we have a team of independent agents who have helped many drivers find affordable auto insurance that meets the DOT’s requirements. If you’d like, you can use our online tool for a quote. It just asks a few questions and then will pull quotes from several insurers in the state.

Alternatively, you can call one of our agents. We’ll be happy to review your current policy and help you find a similar one.

No matter how you prefer to shop for a new car insurance policy, we’ll make sure you get the lowest possible rates on the coverage you need. We’re an independent agency, so we can compare rates from every insurer in the state and forward the most affordable ones onto you. Before you go to register your car at the DOT, let us help you find an insurance policy that will meet their requirements and fit within your budget.

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