If you are receiving unsolicited phone calls from an entity pretending to be ACCC (a trusted non-profit credit counseling agency), please be assured that ACCC’s policy is NEVER to contact you unless you’ve explicitly requested us to call you. Also be cautious of emails from an unusual or unfamiliar domain. ACCC’s domain extension is @consumercredit.com, and any emails using a different extension should be treated with suspicion.


ACCC’s Client Login allows current clients to access their program information, including the due date, program benefits, and other documents.

Select a Client Login below based on the service that you are currently enrolled in:

Debt Management Program

Client Login

Not yet a client, but looking to get started?

ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

Get Started


You are now leaving the Consumer Credit website and are going to a website that is not operated by ACCC. We are not responsible for the content or availability of linked sites.

Are you sure you want to leave?

No, return me to the previous page.


What Impacts Your Car Insurance?

Getting car insurance is a tedious process. This is especially true because you are unlikely to get the same rate from different insurers. Our credit counseling advice is to understand the several factors that impact your car insurance. Getting the right deal is crucial for your overall money management strategies. 

ACCC has the scoop on factors that impact your car insurance.

ACCC has the scoop on factors that impact your car insurance.

Factors that Impact Your Car Insurance

The factors that impact your car insurance are not always under your control. The most basic factors that impact your rates are your gender, age, marital status, and driving record. Let’s dig a little deeper to find more factors that influence your car insurance.

The Type of Car You Drive

The value of your car is a key determinant of the rate of your car insurance. In addition to the value, things like the safety rating of your car, it’s size and age can also come into play when it comes to the insurance rate. Other factors that impact your car insurance may include your engine horsepower. Given all of this, it’s always wise to call for insurance quotes before you make your final purchase decision. 

Your Credit Status

As much as your auto loan rate depends on the health of your credit, your insurance rate also may vary greatly depending on your credit status. The good news is you have control over this factor. Therefore, settling credit card debt on time takes precedence over anything else if you are serious about getting a good rate. 

The Nature of Your Commute

The driving record is one of the key factors that impacts your car insurance. The distance of your commute impacts it greatly. The farther you have to drive, the higher the risk for the insurance company. Where you live and where you park your car can also come into play when determining a rate. 

If you’re struggling to pay off debt, ACCC can help. Sign up for a free credit counseling session with us today. 


Dilini is a Marketing Communications & Programs Associate at ACCC. To anyone, managing finances can be a real challenge! Any tips and tricks to help get through this are great! Dilini will share her experiences, tips, and tricks along the way through the Talking Cents blog. Stay tuned!

View all author posts →


Your Ultimate Money Management App

Meet CreditU, the ultimate one-stop debt and financial management app! See your full financial overview, including debts, income, expenses, and savings.

CreditU Apple App Store
Dev Tool:

Request: blog/what-impacts-your-car-insurance
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=what-impacts-your-car-insurance
Loaded Template: single.php