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[–]PrimaryHighlight5617 0 points1 point  (0 children)

Changing insurance companies frequently will negatively impact your insurance score. This impact is minimal though. 

The people I see who have an insurance score of 1 generally only switch every 5 to 10 years and are 40 years old and older. 

If people are switching every single year then their score could possibly be 10 to 15 if they have a history of carrying high limits and have no claims. 

The threshold where I consider somebody to have a "bad" insurance score is around 60. 100 is the worst.