 That's right. Drivers that find themselves in the poor credit category are actually paying rates closer to drivers who have a DUI conviction. And that's the majority of the states that use credit as a rating factor. So even though it's not a quick and fast fix, you'll always want to work on improving your credit. If you move it from poor to fair or fair to good, ask your agent if they can rerun your policy. If they can't, shop around because your new company will run your updated credit and it'll save you hundreds of dollars a year.