# 'Insurance Score' causing premium increase **URL:** \ **Category:** Insurance\ **Created:** [November 17, 2022, 6:39pm UTC](https://community.clark.com/t/insurance-score-causing-premium-increase/1659 "2022-11-17T18:39:28Z")\ **Posts on this page:** 3\ **Page:** 1
**Author:** ![sferd](https://avatars.discourse-cdn.com/v4/letter/s/ecb155/32.png) [@sferd](https://community.clark.com/u/sferd)\ **Post date:** [November 17, 2022, 6:39pm UTC](https://community.clark.com/t/insurance-score-causing-premium-increase/1659/1 "2022-11-17T18:39:28Z")
We have car and homeowners insurance with Amica (one of Clark’s top 2 companies). We have excellent credit (over 800 credit score), and have no debt other than our house. In the past year, we have both opened new 2% cash back credit cards and new airline credit cards which we pay off every month. Due to this activity, our insurance score has gone down resulting in a premium increase of over 10%. This is BS as our credit is better than most folks out there. I’m not sure if it would make sense to shop around or if all companies would charge us an additional fee. Are there any options to get this reversed? ---
**Author:** ![sferd](https://avatars.discourse-cdn.com/v4/letter/s/ecb155/32.png) [@sferd](https://community.clark.com/u/sferd)\ **Post date:** [November 17, 2022, 11:28pm UTC](https://community.clark.com/t/insurance-score-causing-premium-increase/1659/3 "2022-11-17T23:28:02Z")
But, wouldn’t other companies also use this ‘insurance score?’ We’ve been reluctant to shop around since Amica is one of the 2 companies Clark enthusiastically recommends. 🤷‍♀️ ---
**Author:** ![ole1845](https://avatars.discourse-cdn.com/v4/letter/o/e495f1/32.png) [@ole1845](https://community.clark.com/u/ole1845)\ **Post date:** [November 18, 2022, 1:32am UTC](https://community.clark.com/t/insurance-score-causing-premium-increase/1659/5 "2022-11-18T01:32:24Z")
I’m convinced you have to switch insurance companies every few years. They jack your rates each year and another company lowers their rates to attract you as a new customer. There’s no loyalty to long time customers. And you shouldn’t be loyal either.