A clean claims record can help you secure better rates. In many regions, insurers use credit-based insurance scores to assess financial responsibility. A higher credit score often results in lower premiums, as it indicates a lower likelihood of filing claims. General Motorcycle Insurance in Florida – Coverage, Benefits & Tips for Riders Your past behavior as a policyholder matters. Frequent claims or a history of high-value claims can signal higher risk to insurers, leading to increased premiums.