If you still think that your good driving record is a passport to low car insurance rates, then you certainly need to change your mindset because the reality is that nowadays such records play only a minor role in determining your car insurance rates.
You may not be aware, but the fact is that most auto insurance companies now depend more on your credit report for finalising your applicable car insurance rates.
It may not make you feel any better, but in case you do not have a good enough credit report, you will be left with only two available options; you can either get ready to pay higher car insurance rates or undertake measures to improve your credit report.
If you are a millionaire, you can easily consider the first option, but if you are not, then going for the second option certainly seems to be the right thing to do.
If you have defaulted on your loan repayments in the past, then it will become quite difficult for you to improve your credit rating because negative entries remain on your credit report for seven to ten years before becoming eligible for deletion.
However, if the negative entries on your credit report are a result of errors and inaccuracies on part of the credit rating agencies, then you can easily have them removed from your credit report in four to eight weeks.
For this, you just need to go through your credit report, identify negative entries that you think are erroneous, and report them back to the concerning credit rating agency.
You may also be required to submit the related documents for supporting your claim.
If your claims are correct and if the credit rating agency finds them appropriate, then the entries will be deleted and your credit report will be updated accordingly.
However, in case the negative entries in your credit report are for real, then there is not much you can do short-term.
All you can do then is make an effort to limit your credit usage and fulfil your payment commitments.
By doing so, you will be able to add positive entries to your credit report, which, over a certain period of time, will certainly lead to an improvement in your credit ratings and credit scores.
So, if you want to lower your car insurance rates, it is recommended that you start as early as possible on your journey towards improved credit ratings and scores.