Determining your auto insurance premium | Auto Insurance | Shelter Insurance®

How We Determine Your Auto Insurance Premium

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The quoted premium, as well as the underwriting and rating of your application, is influenced by many factors, including:

  • Information about your vehicle and the people who may drive it regularly.
  • Information obtained from consumer reports, which includes claims history, motor vehicle reports, credit reports, credit scoring and likelihood of a claim.

Studies have shown a direct link between a responsible financial history and responsible behavior on the road. Our limited use of credit information allows us to offer insurance coverage to more drivers. It has also frequently allowed customers with good credit and safe driving records to pay a much lower premium.

Credit information will be gathered by LexisNexis, a third-party credit reporting agency.

Our rating structure does not take into account your race, ethnicity, nationality, religion, or income level.


The product information contained on this website is informational only and not a statement of contract. All coverage options are subject to the provisions of the policy purchased and details of the policyholder's situation.