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In Arizona, when you shop around for insurance about 80% of all carriers use credit to help determine your insurance rate.

This is in addition to your zip code, type of driving record, age of the driver and coverage.

Currently Congress is considering the abolition of credit in relation to the insurance company. Some members feel it unfairly targets certain groups.

Until that changes, you must understand that credit is an important reason why it is high or low. Credit is used to determine what interest rate you pay for a car loan or a home loan. In the same way your credit card provides your car insurance premium.

The loan is often the first test with the insurers. They will very often place you into a specific tier (high or low) based on your score. Then other factors are to give you a final insurance premium.

What is the solution?

First, you should use an independent insurance agent to shop for your insurance. They represent not only a business. An independent agent to compare prices with the carriers, the credit and those who do not.

If you have a bad credit score, an independent agent can access the carriers that are not in your credit factor. These carriers look at everything else, like other companies, but not loans.

The other thing of an independent agent can do is, which companies can better about your age, driving record, and ZIP code.

In Arizona, an offer from an independent insurance agent, visit the following website: Low Cost Auto Insurance Quote Arizona.

Gary Brown is principal owner of Choice Insurance of Arizona. He has been Arizona residents for Arizona Auto Insurance Arizona Homeowner Insurance, Life Insurance Phoenix, Arizona and care for almost 14 years. Find his website at Arizona Auto Insurance Quote and Arizona Homeowner Insurance.