Middle Credit Score®

Insurance Savings

Your Middle Credit Score® determines how much of a risk surcharge you pay — even when you have a perfect driving or claim history, because insurers price financial behavior before they price risk of loss.

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Your monthly premium follows your middle score risk tier

Insurance Companies Don’t Just Insure Events — They Insure Behavior

Most people assume premiums are based only on driving history or claims. In reality, insurers evaluate your Middle Credit Score® to decide how predictable and financially stable you are before deciding what you pay.

A Lower Score = a Built-In Risk Surcharge

If your Middle Credit Score® signals instability, insurance carriers add a pricing buffer to protect themselves — even when you’ve never had an accident or filed a claim. You pay more strictly because of how you are classified.

Raising Your Tier Reduces Cost Automatically

As your risk tier improves, the surcharge disappears. Better pricing, better renewal terms, and better coverage options follow. Your Middle Credit Score® doesn’t just affect loans — it permanently affects the cost of protection.