Are you really serious about getting dirt cheap online home insurance quotes? Then take note of this: What you pay as premium is affected by your credit history. Folks who have very good ratings pay far less than people who have poor ratings. What your credit rating shows is how you have handled your bills and it speaks badly about you if it is a poor one. No insurer is happy with this as it shows a pattern you are very likely to repeat in the payment of premiums. This marks you out as a bigger risk and so justifies a higher rate. Therefore, it is a wise decision to pay all your bills once they are due. It will help you get cheaper rates among other things.