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If you want to enjoy superior but dirt cheap auto insurance then do give attention to your credit rating. An excellent credit rating will reflect in your favour with respect to your auto insurance rate. A poor credit record will cost you in higher auto insurance rates. This is because insurance carriers see individuals who default in payments as irreponsible and a bigger risk to them. It is normal for insurance carriers to conclude that a person who defaults in credit card payments will also easily default in auto insurance premiums. This assumption of high risk makes such persons pay higher rates in car insurance and other insurance policies.

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