As an aside, you may want to think about the size of deductibles you can fit in your budget ($1,000 versus say $500 or $250) and your coverage limits since these will also drive your rates (State mandated minimums versus $300,000 to $500,000)? Insurance companies do not like small claims due to what it really cost for processing, so if you can pay for the small things and not submit a claim there may be savings on your horizon? One last comment … don’t marry your insurance carrier … shop around as you may be surprised at the rates available. Insurance Companies adjust their rates based on their claims experience, and that of the areas they serve as well as the insureds under coverage with them so, if they have some big losses … you may have rate increases to offset others. Look around for rates. Independent Insurance Agencies may have access to multiple carriers versus the captive agent that only writes insurance for one company. Spend time seeking the best coverage for the best rate. Note, many independent agencies can seek insurance carrier rates for you and all you do is provide the base information and they use the digital world. In 2017 I looked for new insurance rates and had seventeen quotes from as many carriers and my agent only had to submit the information once (the computer did all the work). As to the credit aspects … my insurance seeking only generated soft inquiries in the credit bureaus and with LexisNexis (assume this is the norm). Further, if you have not checked your credit reports for accuracy it may pay to do so. In the “old days” pre-internet, it was so much simpler and don’t believe the insurance ads on television. One ad stated they would save me over $700 which is more than I pay … get real!!!