Tell me. Is there nothing these folks won't connect with car insurance rates. I'm wondering too. However, if you truly understand the science behind calculating an insured's risk level, you'll realize why insurance companies can't overlook details like how often you miss payments.

First, the simple one: Who's more likely to default in car insurance premium -- A guy who misses payments to his credit card company every other month or another who has never missed a payment in the last 36 months? You guessed right -- The guy who already misses payments. Car insurance companies think so too. And, can't you see the simple rationale in their position?

However, they even take it farther than that. They say that people who show financial irresponsibility are much more likely to be reckless on the road than those who are not. Simply put: If you miss payments to your credit card company you're considered a reckless driver by default by many car insurance companies.

Now let's not get into the level of truth in this position. Just understand the underlying factor is that they think you might not pay your car insurance premium consistently thereby reducing their profitability. They compensate themselves by slamming you with high car insurance rates. What can you do? You don't own an insurance company and the law requires that you get car insurance before you can drive. Here's what you can do...

Different car insurance providers score your credit rating differently. This means that on a scale of one to ten you may find different companies on each mark of the scale. That's some soothing news. All you have to do now is to find out the company that factors your disadvantage least (even if yours has nothing to do with credit rating).

This will be reflected in lower car insurance rates. All you need to do to get this is spend a total of 15 minutes (5 on each site) and get up to five quotes per site. Next, compare the quotes returned and you'll see an insurer that favors you most in spite of your disadvantage. The difference could be over $1000 sometimes. Just make sure you input the same information in all the quotes sites you visit.

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