How high renter insurance quotes you attract are is affected by your credit history. People who have excellent ratings spend far less than those who have low ratings. A bad credit rating suggests that you’ve not been paying your bills in a timely fashion. No insurer likes this as it shows a pattern you’re very likely to repeat in the payment of rates. This marks you out as a bigger risk and therefore justifies a higher rate.

It will, therefore, be a good step to do something about improving your credit rating. You will attract cheaper premiums if you do.