There are obvious factors that contribute to the risk assigned to a driver in the state of Arizona, such as whether you have been found guilty of reckless driving or DUI in the past. Otherwise, you should know that insurers use a special algorithmic formula, calculated using information compiled from a number of sources, that determines how likely it is you will be involved in an accident and assigns you a level of potential individual risk. While it shouldn’t effect your credit score, the majority of auto insurance providers will review your credit history prior to offering coverage. If you are unsure of what exactly may be effecting your Arizona auto insurance, please take a moment to speak with San Tan Insurance. Our independent insurance brokers have a vast amount of knowledge working with insurance companies and can answer the majority of your concerns right away.