Don’t just take the first policy you find. Insurance is a very, very competitive business. Insurance companies are doing everything they can to compete for you and try to bring prices down.

Credit scores are actually more accurate than traditional criteria (such as driving records) for determining risk.

I would say 10 years ago, we were at the bottom of the scale. We’ve gone up to the middle of the pack. Now we are way better than states like Texas, Florida and Louisiana...

We were kind of in the middle of the road. We’re in the top 20 and probably headed to the top 15.