Your credit-based auto insurance scores affect your auto insurance rate much like you would expect your credit scores to affect your interest rate on a new loan.
Insurance scores affect your auto insurance rate in a predictable manner. The better your insurance scores are, the lower your auto insurance rate will typically be. On the other hand, if your insurance scores aren’t doing well, your auto insurance rate will likely be higher.
Of course, credit-based insurance scores are only one of many factors that determine the rates you might be offered and only if insurance companies can use them.