Which of the following factors can directly lower automobile insurance rates?

A high credit score can directly lower automobile insurance rates because it demonstrates to insurers that the driver is responsible and less likely to file claims. Insurers use credit scores as part of their underwriting process since studies have shown that individuals with higher credit scores tend to be less risky to insure. A good credit score indicates financial stability and reliability, which can make the driver eligible for better premiums and discounts on their insurance policy. This relationship between credit scores and insurance rates is part of the broader practice of evaluating risk based on various personal factors before determining premium rates.