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Hometown Insurance Agency of Utah Blog

All You Ever Wanted to Know About Insurance

Credit & Insurance Premiums

Do you need help with your credit? We have just the tool for you! ScoreNavigator® has many useful credit tools and tips to help you better your credit, here is just a few:

  • ALL 3 Credit Reports and Scores!
  • Point Deduction Technology®/Tradeline (it literally tells you if you are losing any points on any of your tradelines, how many points and how to get those points back)!
  • Target Score Simulator® & Manual Score Simulator
  • Money Simulator
  • Short & Long Term Recommendations
  • Credit Education, Advice and Testing and MORE!

Take control of your credit with ScoreNavigator®

Other things you can do to help improve your credit are:

1 - Pay your bills on time.

2 - Keep your credit card balances low and pay them in full each month.

3 - If you don't have any credit cards you can apply for up to 2 secured credit cards, per person on our website! These report to each of the 3 bureaus monthly to help you build positive credit and payment history and there is NO minimum credit score required!! Bonus! Just click this link to get started

4 - Don't consistently have your credit pulled throughout the year, be cautious as inquiries do play a small role in your credit scores.

5 - Try to avoid co-signing on loans, credit cards or other types accounts with others. If the other person makes a late payment or doesn't pay at all it can negatively impact your credit too and you will be just as liable for any money owed as the other person that signed.

Did you know that your credit score is one of the largest factors when it comes to calculating your insurance premiums? It's true, almost all insurance carriers pull credit (a soft inquiry) and consider that score when considering your insurance premium. The better the credit scores, the better the insurance premium will be!

If you need help with your credit or have credit questions please don't hesitate to call us. We are located in downtown Logan, Utah but can service anyone with credit issues all of the United States. We are licensed insurance agents in Utah and Idaho.

Happy Credit + Good Insurance = Happy You! 

We have over 20+ years in the credit industry with an extensive knowledge base of credit! Do you have credit questions? Do you need a copy of your credit report? Do you want to see your credit scores? Do you need to build positive credit? Do you need a credit card or two? Do you want to maximize your credit? We have all of those things for you! Just give us a call at 435-754-7701.

We have always enjoyed helping others especially when they think there is no where to go for help or they think they are not in a place to get help with their credit. There is always room for growth and improvement when it comes to credit! We have helped thousands of consumers maximize their credit over the years. It doesn't matter if you live in Logan, Providence, Hyrum, Wellsville, North Logan, Clarkston, Richmond, Lewiston, Benson, Avon, Millville, Nibley, Smithfield, Hyde Park, Cove, Paradise, Mendon, Tremonton, Garland, Honeyville, Brigham City, Ogden, Layton, Farmington, Kaysville, Farwest, Bountiful, Salt Lake City, West Jordan, South Jordan, Sandy, Lehi, Provo, Spanish Fork, Park City, Heber, Nephi, Cedar City or St. George, Utah or Idaho ---- We can help! 

Hometown Insurance Agency of Utah is located in downtown Logan, Utah (Cache Valley) and prides itself in helping others, not only save money on their home, auto other types of insurance but to also make sure you are properly covered and that you have answers to your questions. We want to make sure that our clients are our friends and friends become family! We care about you as much as we care about our family! We want to make sure you are protected should something happen and that you understand your insurance policies and what they include. Hometown Insurance Agency of Utah is licensed in Utah and Idaho! That's right, we are now licensed in Idaho too!

We care about you and we care about our community. We are members of the Cache Chamber of Commerce and the Women's Council of Realtors Cache Valley, we volunteer as Ambassadors for the Cache Chamber Commerce, The Center for Entrepreneurship and the Jon M. Huntsman School of Business/Utah State University, we sponsor many community events (Nibley, Richmond, Smithfield, Hyrum) where we have free games and prizes, we hand out candy in local parades in Nibley, Utah and Hyrum, Utah. We love being part of our Cache Valley Community!

Take a minute, give us a call and we will shop all our providers for you and at the very least you will have a second opinion to consider.

If you have insurance questions, need a review of your current insurance policies or would like a free insurance quote, please contact us at 435-754-7701! We are your hometown raised, hometown trusted, hometown insurance agency. We are Hometown Insurance Agency of Utah.

180 North Main Ste C

Logan, UT 84321


Email: jill [at] hometowninsr [dot] com