Your credit can affect a lot in your life financially. A high credit score can mean getting approved for a loan with low interest rates. Your credit health can actually affect the amount you pay in premiums whether it be, homeowners insurance, car insurance, or life insurance. Just like lenders, insurance companies want to know how much a gamble they are taking by before accepting new customers. Usually, they will look at your history to quote appropriate rates. If your score says that you are not always responsible with your other bills, that factor can make you a higher liability to the insurance company.
The Proof Is In the Pudding
Studies have even shown that customers with poor credit sometimes pay 91% more in insurance compared to customers with healthy credit. Not every aspect of your credit report is useful for getting a quote. Certain details are compiled and then calculated together into a credit based insurance score. Unfortunately, these scores are not made available to the general public. Some factors could be your payment history, your debt ratio, long credit history, no late payments and low credit usage. Unlike the lender, an insurer does not consider income, and job history. This all does not mean you will get denied insurance because you have poor credit, but your insurance rates could be high. Let’s explore how your insurance score can affect different types of insurance. The score can impact car insurance rates in a large way. A surgery found that a family with poor credit can pay up to $2,090 more to insure just two cars versus a family with great credit.
Homeowners with fair credit can sometimes pay up to a third more on their homeowners premiums. Your credit report is usually checked when acquiring a life insurance quote. Things like filing bankruptcy within 12 months can cause you to be denied a policy. Keeping your credit score in the up and up is always important and sometimes fundamental for life. Taking steps to manage your finances, and credit score can lead to a better insurance rate. After all, who doesn’t want to save money?
Feel free to ask any of our live agents to give you a quote.
By far the cheapest, most friendliest, and quickest agent to receive insurance through. Lauren did amazing in answering all my questions and also getting me to correct quote. I do recommend 100%
Insurance policy June 5, 2019
A+++++ fast, simple, easy. I was done in minutes. Thanks A+
RAP PAZ Car insurance Ap Insurance in Colorado Springs / car insurance / colorado springs auto insurance July 3, 2017
Amy Christie. Was able to help me with me obtaining auto insurance on my vehicle… Not only that she was very patient and very cooperative with me.
Thomas Vogenthaler Youthful driver in Denver Colorado July 3, 2017
So far so good!!! Been working with Jola for about a week and she had great customer service skills and saved me a good amount of money on my car insurance… Only been a week but seems pretty good to me ?
Vangie and Eric in Love Multi Car in Pueblo Colorado July 3, 2017
Shawn did a great job. He saved me $65 per month on my car insurance. It only took about 15 min to set up. 5 Stars and high recommendation!
Jack Wilium Auto Insurance Alaska July 3, 2017
We will definitely be recommending them for Insurance to all of our family and friends.I was so impressed on how quick everyone responded to me after I was searching for a good insurance quote.
Bruce Hensley Insurance in Upstate Liberty SC June 27, 2017
Wow!! Is all I can say. Shawn took my information, I was getting a quote for two vehicles. I was emotional when he told me the price for both of my vehicles to be insured. The reason was because the price he gave me other insurance places wanted the same price just for one vehicle!!I could not believe it. Also, Shawn was so professional he talked to me and acted like he knew me for years!!! Totally recommend them. Thank you shawn.
Samantha Brown Multi Car in Liberty June 27, 2017
Great staff, friendly service, very helpful for bundling insurance with great prices.
Whitney Bryant Auto and home insurance in Liberty June 27, 2017
I shopped around and they found me a great price for my truck insurance. Very nice, polite, and very fast.
Roman AtwoodVlogs Truck Insurance June 27, 2017
Angie A Lane LIability only insurance Greenville June 27, 2017
Fast, easy, efficient service. I am so happy that I called! I would recommend them to anyone who needs car insurance.
Myrtis Garris Car insurance in Greenville June 27, 2017
This is the best agency in upstate SC. Very helpful.
Abdul Kader Upstate auto insurance June 27, 2017
Saved ma a ton on my car insurance. I was with Geico. Thank you Crystal.
Frances Liyo Car insurance Greenville June 27, 2017
Very professional, very nice and fast!
Thomas Brown Insurance for Greenville SC June 27, 2017
Crystal your a 5star in my book..Thanks for your help in getting ins. today!! Need more agents like you!! I’m very happy with the quickness you provided also!!
Eva Hernandez Ft Collins auto insurance June 27, 2017
A plus Insurance are always friendly and helpful and honest. I would recommend there Agency to anyone. Thank You Shawn and Amy
Donald Pierce Two vehicles one full coverage one liability June 27, 2017
Great customer service!Response from the owner
Thank you very much Ryan.
Colorado Big Game Hunters liability for multiple cars June 27, 2017
Very helpful, fast and pleasant experience! Amy was very sweet!
Violet Evolver inexpensive auto insurance June 27, 2017
Michael Brown fast auto insurance in Denver June 27, 2017
Very helpful and quick service. explained everything thoroughly.
Jaycob Deimerly Car insurance in Denver June 27, 2017
The best insurunce agent we have used. Extremely helpful and always look out for our best interest.
Paul Garcia Auto and Home insurance June 27, 2017
Great and easy
Robert Enriquez full coverage car insurance June 27, 2017
Coverage in seconds … amazingly fast and effective … great information and my agent knew what she was talking about … will definitely be insuring my other vehicles with them …
Sleepy Gunnz Multi car insurance June 27, 2017
The best insurance is very helpful, i have used it.Excellent service.
Nikki R Reynolds quick auto insurance in Denver June 27, 2017
Amy is a great insurance agent. I recommended her to everyone. She gave me great advice that saved me $40 per month.
Ashley W. Auto Insurance in Denver Colorado June 27, 2017
Very excellent service .I really happy.Very fast insurance service.I highly Recommended.Thanks
Shawn L. Meadors car insurance full coverage June 27, 2017
This was so easy. I was short on time and caught off guard just before finals, and the associate helped to find me the best quote, offered discounts for paperless statements – and even offered to fax it to the DMV, so I could complete my registration before my next exam!
I was astounded and appreciative. Definitely the best experience I have ever had when taking care of my insurance needs!
Lisa Edele Paperless insurance statements June 27, 2017
Amazing costumer service! Shawn was fantastic and made sure there was no pressure, but I knew from speaking with him I couldn’t pass up the choices he gave me. Amazing and highly recommended, you wont regret it! I am one very satisfied customer and will recommend them to anyone! No hassle, right choice!
Brittany Voci Bundles products auto and renters June 27, 2017
Wonderful! Jola is very professional and pleasure to work with!
Evgenia Hutchinson Renters insurance Denver June 27, 2017
It was quick, cheapest in town, and the agents were very friendly and easy to work with…
Jason Alderson inexpensive car insurance June 27, 2017
Jola helped me out while I was in a pinch. She was incredibly quick and efficient. 100% recommend.
Daniel Board Denver liability only insurance June 27, 2017
I call these guys for all my insurance needs! Best in town! Best customer service as well!
Collin Draker Motorcycle insurance June 27, 2017
Honestly, one of the best services ever gotten. Amy my agent was nothing but helpful, kind, and has potential to take that company far. The experience was great and handled in such a timely manner. Definitely a customer for life!
Oscar Happy Auto insurance in Denver June 27, 2017
Amy went above and beyond. She responded back to my emails. She found me a great quote. I couldn’t be more pleased.
James Cox Car insurance in Denver June 27, 2017
Chrystal was so helpful and really understood and took her time to find the best quote . I really felt relieved after I got the insurance I needed with her.
Emonna Moore Low Cost auto insurance June 27, 2017
Super easy super fast super cheap thanks for getting me the insurance i need for a great price will be telling everyone i know about it
Nikki Tolvo Denver Liability insurance June 27, 2017
I was so impressed on how quick everyone responded to me after I was searching for a good insurance quote I was able to get someone on the phone quickly and able to purchase insurance and have all papers faxed to DOT Sean and Amy know how important customer service is and prompt service we will definitely be recommending them or Insurance to all of our family and friends
Bruce Hensley Insurance faxed June 27, 2017
smooth, easy, and effectiveResponse from the owner
Thank you for completing a review! It helps.
Luke Johnson Full coverage auto insurance June 27, 2017
Amy was very helpful and made the entire process easy to complete. On top of that, she was friendly to talk to and didn’t make me feel like she was rushing me.
Ashley Baumgartner Insurance for Pueblo Colorado June 27, 2017
The agents of A Plus Insurance Agency were very helpful and knowledgeable. They were efficient and helped me get the best quotes. Everything was simple and quick. I’m glad i called. Thanks A+ Insurance
Sivolyse Black Liability insurance in Pueblo June 27, 2017
Amy was awesome! She made the nightmare that is shopping for insurance an easy, pain-free process. Would recommend!
Jerid Rutledge Easy Auto Insurance June 27, 2017
I had a wonderful experience over the phone. The person I spoke with, I believe his name was Sean, helped me in more ways than I could ask. He was considerate, fast, and easy to speak with. I had a quote in seconds, and he exceeded my expectations.
Abigail Newman Fast car insurance June 27, 2017
I was referred to A+ Insurance by a coworker after venting about how high of auto insurance I was paying. I called late in the day yet still got to talk to a real professional person and was given a quote right away that cut my insurance payments in half!!. I am pleased with their simplicity of options for those whom may be technically challenged and clear in answering questions or giving answers I didn’t even think of to ask. Will definitely refer A+ to friends and family.
Carolyn K Roubideaux Knowlegable Insurance professionals June 27, 2017
I called Pueblo Insurance and they asked for a LOT of my information and then said they’d call me back with a quote. Almost 5 hours later, they still haven’t called me back but A+ Insurance helped me get extremely affordable coverage in just one phone call and without asking me for my social. Highly recommended.
Ursa Major Fast Pueblo Insurance June 27, 2017
Very fast quote as well as saved money. Great experience. Thanks again. Highly recommend giving them a call.
Annette Moreland Pueblo Insurance policy June 27, 2017
A plus insurance is the best. Called in with a bunch of questions & Amy was so patient and so helpful!! Definitely recommend them.
Christina Molina Car Insurance pueblo June 27, 2017
I only needed insurance for a couple of months. I was moving to another state and I needed to get 2 cars registered before leaving and they really gave me an awesome rate. They are the best.
Dallas Fancher Pueblo Insurance June 27, 2017
They saved me money on my home insurance. I was insured for such a high value and they called me just to give me an no obligation home insurance quote. Since my house had fell in value I could drop the amount it was insured for- I had no clue that I could do that. Thanks for reaching out to me.
Google User Home Owners Insurance June 26, 2017
My agent was very helpful and I saved a lot of money.
Elissya Chiu Car insurance policy June 26, 2017
got me a great price for me being 17
Morgan Blair Youthful Insurance policy June 26, 2017
great customer service and very good at getting you the cheapest coverageResponse from the owner
Thank you for the kind words and taking time to do a review
Josh Ruddell Good Insurance policy June 26, 2017
When I decided to move to Co from Tx I began calling all the insurance agencies for quotes. Amy got me a quote quick and easy and was more than $400 cheaper than the closest competitor.
Lori Noneya Colorado Insurance June 26, 2017
Very professional company. Highly recommended.
Beau Williams Professional Insurance June 26, 2017
Amy did an excellent job of getting me my insurance. it was super fast and easy and she was so nice. i will definitely recommend a plus insurance to my friends and family.
Colt Walker Fast easy insurance June 26, 2017
I was randomly directed to these guys on Progressive’s website when I had issues getting a quote online. I was really glad that I called! Jola was super friendly, and explained every bit of what I needed to know about switching policies for the first time. It is awesome that they run quotes from multiple companies to see who can give you the lowest rate comparable to your current coverage. I would highly recommend giving them a call if you are in the market to get a policy or switch your policy!
Francesca Anderson Progressive Insurance June 26, 2017
it was a lovely experience. The women I spoke to was very nice and helped us out tremendously. I highly recommend this insurance place. thank you again!! keep up the great work!! 🙂
Barbara Salinas Insurance done right June 26, 2017
Excellent service! Patiently listened to my unique situation so that they could find me the best rates. They were quick, polite and efficient. Low pressure and professional service are both a nice change from all the, pushy, insurance companies and their gimmicks.
David Toledo Low Pressure Insurance policy June 26, 2017
This was one of the easiest experiences signing up for insurance ever. Jola was quite nice, and had everything ready quickly, I had insurance in less than an hour. Also, the prices I got were EXTRAORDINARY! I would definitely recommend A+ Insurance.
Adam MEars Awesome insurance policy June 26, 2017
A Plus Insurance has been awesome to work with. I have worked with Amy and she does an incredible job. She is very helpful, responds quickly, and does what she says she is going to do. Also, they have offered much better rates than I have found other places. I highly recommend A Plus Insurance.
David Zettlemoyer Reliable insurance policy June 26, 2017
I was very pleased,
It took but only a few seconds to get a great quote and this was in November of 2013, Today I call again to re establish a quoted price I received a few months ago, not sure if I would hear the same quoted price if not receiving a lower quote.
Today, 1-3-14 I call getting a hold of Amy as last time, finding that I have received an even lower price than quoted before. After hearing my new quote and receiving genuine hospitality.
Less than a 5 minute phone call, and a few online signatures, without having to leave the comfort of my home other than going outside to get my Vin# off my vehicle, enjoying the privacy of my own home, I now have a New Insurance at the price of 35ish dollars.
Thank you Amy!,
-Tanya R Kelsey.
Tanya Kelsey Inexpensive auto insurance June 26, 2017
Super helpful, Very reasonably priced, Great customer service and friendly staff.
They got me signed up and ready to go in less than half the time I am used to with other insurance companies. Highly recommend!!
Daniel Kimel Resonable Insurance June 26, 2017
Great Customer Service! Jola Is Awesome!
Angel Scene Insurance Customer care June 26, 2017
Wonderful and accurate customer service and it didn’t take all day! Relief was an understatement
Denise Davis Car Insurance June 26, 2017
Quick. handled everything over the phone. Convenient
Jeffrey Hulse Insurance by phone June 26, 2017
I needed an sr-22 and Amy helped me find a rate at almost half what I could find on my own I definitely recommend them!Response from the owner
Thank you for the review we were happy to help with your sr22. If you know anyone else who needs insurance please send them our way.
Joseph Walker SR22 filing insurance June 26, 2017
Amy was so helpful and got me the cheapest rate for an SR22 with full coverage insurance for my car which was cheaper than USAA and other companies that I shopped all day for! The service was very speedy as well.
I recommend this company with 5 shining stars!!!
Jeremy Dandrea SR22 Insurance June 26, 2017
Jola was awesome she did everything she could to get me the cheapest insurance. I’ve never had great customer service with an insurance since I’ve had insurance. Thanks A Plus Insurance.
Andreana Aio Low cost insurance June 26, 2017
Jola was so awesome. She gave me options and took her time to explain everything to me. What I thought was going to be a long, painful process, she made simple and easy. Thank you Jola.
Cassandra Locks Options for Insurance June 26, 2017
very fast and easy to work with. will recommend to allResponse from the owner
thank you for the review
Shogun Speed Recommended insurance agent June 26, 2017
Fast and friendly service. Will tell all family and friends. Keep up the wonderful service.
Quinin Frazier Fast Insurance policy June 26, 2017
Jola, was great! She got me the exact coverage that I needed! She was very friendly and professional.
W Simms Auto Insurance June 26, 2017
Great customer service . Very professional and helpful.
Thx Jola !
Michael Devlin Professional Insurance Agent June 26, 2017
Jola was great! I spoke to her about a quote I had received a few days prior. She was able to find my quote and get me an even lower rate than that! Started with them today!
Viry Low Insurance quote Insurance policy June 26, 2017
Getting insurance through A plus Insurance was quick, fast, and over the phone. Customer Service was great as well. Definitely a place I would recommend to people.
Megan Maupin Instant Insurance June 26, 2017
Wonderful women she was working from home and still found me the best quote and I had insurance within the hour of my call mind you I just bought a car and needed insurance quickly if I wanted to leave the dealership with it. Called because of the great reviews and was really convenient because im able to send the documentation later instead of instantly to be insured. I highly recommend and I rarely write good reviews.Response from the owner
thank you for taking time to review.
Jeanette Velez New Car Policy June 26, 2017
Smooth and easy setup for my new insurance. Thanks
Jason Irwim Easy Insurance June 26, 2017
Jula was very friendly and made sure I understood what I was buying…I’m glad I called them! Even late on a Saturday Jula was happy to help me.Response from the owner
thank you for the business.
Marci Greene Saturday Insurance June 26, 2017
Very friendly and so fast! Entire phone call took 22 minutes and received my new insurance cards withing 5 min by email. Was even able to sign to paperwork through my phone, no office, printing or faxing needed! Thank you jola, you were great!!!
Christina Georgas auto policy June 26, 2017
Amy was great!Helped me through every step and was very kind. recommend them for your total insurance needs.
Michelle Summerson insurance needs June 26, 2017
Crystal was really nice and helpful. She was patient with me and found me an unbelievable deal on car insurance. I’m going to recommend her to everyone.
Jennifer Mcqueen insurance quote fountain June 24, 2017
Hola walked me through the process at the perfect pace with all the information necessary. Very good customer service. I will definitely recommend that my friends use A Plus Insurance like I didResponse from the owner
Thanks for the review just let us know if you ever need our assistance.
Travis Hill Colorado Springs Auto Insurance June 24, 2017