I do not think it is fair that Insurance companys raise you insurance because of poor credit. Pa. you need car insurance to drive your car. Would it be better to keep it cheaper? How can people afford high insurance? My car is three and a half years old and my insurance is more now than when it was new. I think this is B. S. Encompass insurance raised my insurance price from $750.00 the year before to $950.00 in 2010. I had an accident in the winter but it was only $1250.00, and there was no damage to my car. All the company's advertise save hundreds on car insurance until they check your CREDIT SCORE. B. S.!!! read full review »