We get it, ‘Credit’ is a scary word, but it doesn’t have to be. Insurance companies often use consumer credit information in determining if they will offer a consumer automobile or homeowners’ insurance policy and how much that policy will cost. A credit-based insurance score is a rating based in whole or in part on a consumer’s credit information. Credit-based insurance scores use certain elements of a person’s credit history to predict how likely they are to have an insurance loss. Advantages vary from company to company, but we’ll review your options with you to find the company and coverages that are the right fit for your protection needs.