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Your credit history has a huge impact on what you pay and consequently determines if you find a cheap Raleigh insurance quote or expensive ones. The lower your credit rating, the higher the rates you attract. If your credit rating is bad then you’ve been missing important payments. This is a pattern that most insurers believe will play out again in the way you handle your premiums. If you’re seen as a likely defaulter, it makes you a higher risk and attracts much higher rates than otherwise.

So do your utmost to pay all your bills in a timely manner. Apart from the other benefits in doing so, it will ensure you get  lower home insurance premiums.