Auto insurance typically follows the car rather than the driver. This means that your insurance will likely pay if your friend crashes your car.
Your insurance score is simply a rating that is generated from information off your credit report. Why does a credit report matter when you’re buying auto insurance? It is considered a good indicator of the type of driver you will be. It helps tell the insurance company if you will be prone to accidents or make a lot of insurance claims. This allows insurance companies to compute more accurate rates. Each insurance company has a different way of using this information, but in general, the better your credit report, the better your rates.