1. Shop your insurance with an independent agency like GHR
2. Keep you driving record clean
3. Keep your credit score as high as possible
4. Be careful who you let operate your vehicle
5. Consider the “Limited Tort” option for liability coverage
6. Consult with your agent about your coverage options for Un-insured and Under-insured motorist coverage.
7. Buy higher deductibles on Comprehensive and Collision
8. Remove collision coverage from older vehicles of limited value.
9. Do not submit insurance claims for small losses
10. Eliminate duplicate medical coverage if you have good health insurance
11. Consult with your agent before you buy a new vehicle
12. Consult with your insurance agent before adding a youthful driver to your policy
13. Consult with your insurance agent about all available discounts.

Credit Score is used by insurance companies to create an Insurance Score.  Your insurance score is used to predict how often and how likely you are to file claims, and how expensive those claims will be.  Studies have proven that credit characteristics are predictive of certain outcomes, such as insurance losses.  The way you handle your credit says a lot about how responsible you are. Insurance companies want to reward responsible people by offering them better products at better rates.  To get the best rates and coverages it is important that you try and keep your credit score as high as possible. 

You can follow these 5 tips to improve your credit score:

• Pay your bills on time. Delinquent payments can have a major negative impact on your score and the longer you pay your bills on time, the better your score. For example, someone with an average credit rating of 707 can raise their score by as much as 20 points by paying all their bills on time for one month.
• Keep balances low on credit cards. High outstanding debt can affect your score. Maxing out your credit cards could lower your average score by as much as 70 points.
• Don't open a number of new credit cards that you don't need. New accounts will lower your average account age, which could actually lower your score by up to 10 points.
• Have credit cards - but manage them responsibly. In general, having credit cards and installment loans (and making timely payments) will raise your score. Someone with no credit cards, for example, tends to be higher risk than someone who has managed credit cards responsibly.
• Closing an account doesn't make it go away. A closed account will still show up on your credit report and may be factored into the score