 And just a few claims can cost you quite a bit. If you file more than two claims in five years, you're going to get dropped and then you're going to struggle to find coverage at all. Boosting your credit score could make a huge difference in your rates. If the husband doesn't have good credit but the wife does, we'll list the wife's name first and then it can be a few hundred dollars different. Insurance companies also consider the condition of your home. The newer the construction, the cheaper it is.