Edwards Graham Insurance

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Today: 8:00 am - 5:00 pm

Tomorrow: 8:00 am - 5:00 pm

118 Years

in Business

(830) 775-2411Call Visit WebsiteVisit Website Map & DirectionsDirections1906 Veterans BlvdDel Rio, TX 78840 Write a ReviewWrite Review

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Hours

Regular Hours

Mon - Thu:	8:00 am - 5:00 pm
Fri:	8:00 am - 3:00 pm

Edwards Graham Insurance

Motor Vehicle

Auto Insurance
An insurance score is determined by reviewing a consumer's credit history. A carefully developed and tested computer model performs this analysis, and looks at information such as payment history, whether you have filed for bankruptcy, if you have bills with a collection agent, any outstanding debts you may have, and the length of your credit history. Unlike a "credit score," which is typically used when you are seeking a loan, an insurance score is used to help insurance companies accurately assign the best price available for your policy. When calculating your insurance rate, insurers typically group consumers into categories. For example, driving record and age are the most often used categories to help calculate the cost of a customer's auto insurance policy. Insurance scores are just another method insurance companies use to determine what you pay for your policy. According to extensive industry and independent research, people with certain patterns in their credit history that result in a lower insurance score are more likely to have claims that need to be paid by their insurer. For instance, keeping your credit card balances below the maximum limit and making regular, on-time payments will result in a higher score. On the other hand, if you have a history of "maxing-out" your credit cards to their limits and submitting payments late, your score will be negatively impacted, meaning a lower score. An insurance score does not take into account income, race, gender, religion, marital status, national origin, or geographic location. It only reviews your credit history.

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