Increase Your Credit Score: In most states, it is perfectly legal for your auto insurance company to base your premium rates, in part, on your credit score. In some cases, raising your credit score will actually help to lower your premiums. In still other states, insurance companies use something called an “insurance score” that, while not technically the same as a credit score, will still have some definite things in common with a credit score. The more things that you can do to improve your credit then the better your chance of finding great car insurance rates.