[Banshee]

Maybe some of you guys know this, maybe not..

Your FICO score also has an impact on your rate. I have a 749 FICO right now. I had my same agent run me when I had a 690 and the rate was $170 higher, 6 month. As well, your best bet is to have your house, cars and whatever else insured with the same company. I don't know if it matters, but I initially saved $480 a year by switching to an exclusive agent, but my rated dropped yet again when I was up for renewal and my FICO score increased. That saved me another $17 a month on the T/A and $12 a month on the Harley. So by having an increase in my FICO score of 58 saved me a total of $828 a year. My SS policy will be $419, 6 month, $69 a month, full coverage.

Insurance companies have a similar scoring. You could have two people, same car, same state, same driving history in length and 0 points. "A" has a credit score 650, "B" 780. 780 will pay much much less, common sense.

I suggest having your FICO score checked to get the best insurance rates at time of initial policy. If it is bad now, you can improve it by the time car is delivered. I pay $80 a year to monitor my credit and accounts at www.myfico.com. Great tool to have to call insurance companies to adjust rates, credit card companies to lower APR and have a printout when shopping for an auto loan.