Your credit history has a big impact on what you pay and consequently determines if you land cheap New York free insurance quotes or expensive ones. Folks who have excellent ratings spend far less than those who have low ratings. If your credit rating is poor then you’ve been missing important payments. This is a pattern that most insurance carriers believe will play out again in the way you pay up your premiums. This makes you less attractive to them and you, therefore, are made to pay higher than someone else with similar profile that has a very good rating.

So do your best possible to pay all your bills in a timely manner. It makes it easier for you to attract more affordable rates among other things.