Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!


Posted in Auto Insurance
Profile Image

Question By

0 Contributions
0 People Helped
Why did my Auto Insurance Score go down so much?? No lapse in coverage, no tickets or accidents.
I have had no accidents or violations in 5 years, no lapse in insurance coverage, and my Auto Insurance Score just dropped 50 points. What in the heck?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

All Responses

Results 1-8 of 8Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
1 Contribution
20 People Helped


Helpful to 20 out of 23 people

If there is no feedback from those producing a score as to reasons for movement, positive or negative, then it does no good to know it in the first place. If a credit monitoring site is to be usefule then it must provide some type of individual feedback.

2 Contributions
10 People Helped


Helpful to 10 out of 14 people

I spent the last 5 years working for an Insurance company which caters to senior citizens.

All Insuance Companies are required by federal law to include a NOTICE OF ADVERSE ACTION Statement in every policy they issue. The jist of this notice says, due to your credit score, you may not receive the best rate plan offered by the company.

Your credit score is one small element of your "INSURANCE SCORE". Your Insurance Score dictates what tier or rate plan your policy is priced on.

i have re-ordered  Insurance Scores because customers claim they have the best credit possible. They say, "My credit is spotless! I checked it and my score is 805!! How could I not receive the best rates?

if you ask your Insuance company to reorder your score, you will be forced to rate your plan on the new score, even if your policy goes UP!  So be careful. 

I have never received results from a insurance score reorder make more than a $20 or $30 increase/decrease on the total policy premium. 

In my opinion, the NOTICE OF ADVERSE ACTION, sometimes abbreviated as NOAA, makes smoke turn into fire and after all is said and done, it's not worth the trouble and worry.

Good luck!

1 Contribution
2 People Helped

Getting old SUCKS!

Helpful to 2 out of 2 people

As my insurance credit rating recently dropped, I realized that a  I had no moving, parking or outstanding violations, b. my insurance premium was paid in full on an annual basis, c. I have not had any claims in the last ten years, d.  I drive fewer miles than I use to (retired:}, e. my credit card balance is paid in full every month with no carry over card debt.  

So the only conclusion that I can arrive at is that I am being penalized because I am getting older.  Strange!

1 Contribution
6 People Helped

One thing

Helpful to 6 out of 8 people

The reason it is being lowered is by age. The largest factor for driving is age and the older one gets the lower the score will go. It will rise in the mid 20s and lower from there.

1 Contribution
5 People Helped

Right there with you.

Helpful to 5 out of 6 people

I don't understand how they calculate this score at all. I have good credit (very close to excellent), have never paid anything late (length of history is the only thing holding me back) but I am 25, never had a ticket, and no accidents yet my auto score is low. If an insurance company advertised only using driving history and actual credit score, I'd run straight to them. I understand the importance of using credit score, but not the "auto score" that makes no sense at all.

1 Contribution
1 Person Helped

It's age discrimination

Helpful to 1 out of 1 people

I think statistics will bear out that over-65 aged drivers have fewer moving violations and accidents than the 25 to 45 age bracket.  This is discriminatory.  It also makes me very wary of buying a new, high performance vehicle.  The insurance rates for such a vehicle must be astronomical in view of this bias.

1 Contribution
7 People Helped

Same here

Helpful to 7 out of 9 people

Checked mine today and my auto insurance score went down 33 points.  My insurance is paid, I have never lapsed, and I have nothing on my record.   Doesn't make any  sense to me!  

1 Contribution
0 People Helped

Where do I find auto insurance score

I could not find any link to see my auto insurance score

Results 1-8 of 8Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.


Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.