The Bottom Line  The Bottom Line  Looking at business news and
consumer issues from every angle  Lousy credit means higher
insurance costs  Here's another reason to pay your bills on
time.   Credit is just one of many factors that insurers
consider when setting rates and evaluate risk. Others include
gender, age, driving record and past claims.  Insurers have come
up with their own propiertary model to evaluate credit that is
designed to predict the likelihood of a future insurance loss.
There's not a lot consumers can control when it comes to how
insurance rates are set, but paying bills promptly can boost
your credit score and save you hundreds of dollars a year in
premiums.