Well edited or not you made a dumb ass arrogant comment. Thats why I am a douchebag. Your credit must suck? I didnt see your edit before firing back at you, but regardless of your edit, that was laughable to me. Trans union was 757, experian was 730, and equifax was 742. So at 23 years old with no debt other than a truck payment and those for scores (that were pulled by sunmark for my mortgage on 9/10/13.) I’d say I’ve been pretty responsible with my credit. Ruling that out of the equation “your driver’s license ain’t clean?” Also stupid to say since it is fairly clean, especially considering the large amount of trouble I could have easily gotten myself in with the types of vehicles I’ve owned. You don’t know who I am, what I do for a living, or anything about me…so why make rude/stupid comments? Who’s actually the douchebag here?
Now my original post asking “what gives?”… I am curious to know if your driving record does actually have anything to do with homeowners insurance quotes, if so, why? Age? What else affects this, and why such a drastic difference? $75/month from LM to $42 from state farm seems pretty different to me. This is my first home and my first time looking for mortgages/insurance/etc… so any actual insight would be appreciated.
age/credit/license history/company rank/company policy are things that effect an insurance quote… age/credit and license history are the biggest. Different companies also weigh different things more then others… one company may see a 23 yr old driver more of a risk then the second company