Did you know that American Family Insurance runs your credit report and uses that to deturmine the price that you will pay for insurance. At American Family Insurance you can have a clean driving record and no accidents and or tickets and you still may have to pay a high rate each renewal because you may have had some hard time in you past finical situation. When calling American Family Insurance I ask why my rate was going up  even after I have had a clean record for driving, and I was told that they deturmain the rate based on you rateing by the three credit burals and any knocks and hard time...