If you have a troubled credit history, you'll pay more to insure your car. According to the website insuranceQuotes.com, drivers with poor credit pay 91 percent more than drivers with excellent credit scores. Drivers with okay credit pay 24 percent more than those with excellent credit.
Insurance companies use credit scores to predict the likelihood of having an insurance claim. Three states, California, Hawaii and Massachusetts don't allow credit scores to be used to set car insurance rates.
Insurance companies also look at driving records, age, gender and past claims when determining rates.