To an insurer, you are a statistic. Your premiums are based on your risk factors, including your credit rating. Bad credit increases the amount you pay for your premiums. Make certain you check your credit report annually for accuracy. Calculate the premium for someone in class 20 for 10/2/5. Then determine how much the premium would be for 50/100/50. What is the difference in the two? Please be sure to include all steps so that I can learn to do this properly.