When people think about credit scores, they usually connect them with loans, credit cards, and mortgages. But did you know your credit score can also impact your insurance premiums ?

At Riseson Insurance , we believe in helping Arizona residents understand how financial factors—like credit—play a role in the coverage and rates they receive. Whether you're in Tempe , Phoenix , Scottsdale , Tucson , Gilbert , or Chandler , knowing your credit score could help you save money on your next insurance policy .

Your credit score is a three-digit number based on your credit history, typically ranging from 300 to 850. It reflects how reliably you manage credit, including:

Payment history Credit utilization Length of credit history Types of credit New credit inquiries

The higher your score, the more financially trustworthy you're considered by lenders—and insurance providers.

Most insurance companies use something called a credit-based insurance score when calculating premiums for auto , homeowners , renters , and sometimes even business policies. Studies have shown a correlation between lower credit scores and higher risk of filing claims , which is why this factor can influence your rates.

In Arizona , using credit scores in insurance pricing is legal and widely practiced.

A lower credit score doesn’t mean you can’t get insured—it just might affect your premiums. That’s why it’s important to:

Check your credit regularly Dispute any errors Pay bills on time Keep credit balances low Avoid opening too many new accounts at once

Improving your credit over time can lead to better insurance rates in the future.

At Riseson Insurance, we don’t judge—we educate. We’ll explain how your credit score factors into your policy and help you shop around with different carriers to find the best possible rate for your situation.

We proudly serve individuals and families in Tempe, Phoenix, Scottsdale, Tucson, Gilbert, and Chandler with personalized advice and support you won’t get from national call centers or impersonal online portals.

Whether you’re looking for auto, home, or business coverage, understanding your credit score can help you make smarter insurance choices. Let our local team walk you through the process and find the coverage that fits both your needs and your budget.

Call Riseson Insurance at 602-460-5470 to get started today.

What Is a Credit Score?

How Does Credit Affect Insurance?

What If I Have a Low Score?

Local Help You Can Trust

Ready to Review Your Insurance Options?

• Payment history
• Credit utilization
• Length of credit history
• Types of credit
• New credit inquiries

• Check your credit regularly
• Dispute any errors
• Pay bills on time
• Keep credit balances low
• Avoid opening too many new accounts at once