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Some of you may ask, “How can I get lower auto insurance rates when I have a bad credit insurance score, tickets, and/or accidents on my driving record?”.

Resolve to do these things, and see your car insurance bill drop as time goes by:

1. The biggest part of a good insurance credit score is a history of paying your bills on time. If you are not already doing so, pay your bills when due. As time goes by, your history of paying your bills on time will grow, and bills paid late in your past, and other dings on your credit history, will matter less as they get older.

2. While you are paying your bills on time, make double sure you pay your car insurance on time. Paying your car insurance late is not usually reported to a credit agency, unless your policy cancels with an amount owed, but you want to avoid a lapse in coverage — you may need the coverage when you don’t have it, and a long continuous insurance history helps you get lower rates. If the company insuring you now does not reward your continuous insurance history, shop around, because other companies have big discounts if you are now continuously insured for 3 years or more without a lapse in coverage (if allowed by state law).

Many insurance companies have large discounts or require continuous insurance coverage to be eligible to insure you. Shop your car insurance when you have 6 months, 1 year, 3 years, and 5 years of continuous coverage.

3. If you have tickets for moving violations or accidents, change your behavior to avoid future tickets and accidents. It’s fun to drive fast, but the cost of speeding tickets and higher insurance rates is not worth it. Driving fast does not mean you will cause an accident, but it does increase the possibility of greater damage and injury if an accident occurs. Be safe: drive defensively and within the speed limit.

Now that you are no longer getting tickets or accidents, shop your car insurance each time a ticket or accident drops off your 3 year driving record, then again when it drops off your 5 year driving record.

4. Regardless of your driving record, shop your insurance annually. Rates change all the time. My driving record and claims history has been the same for years, but I have been able to find a lower car insurance rate each year for the last 3 years. You definitely need to shop if you have moved, changed cars, or have added new drivers to your household.

Don’t procrastinate any longer. Things like your insurance credit score have a big impact on your rates. No matter how bad your credit may be, it can be improved over time. You may have seven speeding tickets now, but if you change the way you drive today, in three years, your auto insurance rates will be spectacularly lower than they are now. All you need do is pay your bills on time, drive safely, and shop your auto insurance with all the leading companies each year. It’s a new year’s resolution worth keeping. Don’t wait and start shopping your car & home insurance today!

Have you improved your insurance credit score? What do you think about insurance credit scores? Comment on my facebook page. Or, e-mail me at help@smartshopyourcarinsurance.com if you have questions and would like my help. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.