are you wanting to irvompe your credit score so you can buy a house?  if so, you don't really have to worry about your credit score. so smart of you not to want to apply for credit lines.  you need to live in a rental for approx. 2 years and ALWAYS pay your rent on-time or early and always pay your other bills on time.  then just find a mortage company that does  manual underwriting .  that means they will look at things other than a credit score.  they would much rather give a mortage to someone that pays their rent and stuff on time, has a steady job and deals in cash instead of having high debt from other sources.  that's just my suggestion that's how i bought a house.  my interest rate is a fixed, low rate and it's nice to not have a pile of credit card bills to have to pay also.
The next question is, how is the rate per unit determined? Statistics, of course! The insurance QuotesChimp (or an independent rate bureau to which the company subscribes) will establish rates based on what its statistics tell it to expect the cost of the anticipated claims and losses to be. From that figure, the pre?miums will be set so as to be sufficient (and profitable), equitable (and profitable), nongouging (and profitable), competitive (and profitable), and safety conscious (and above all, profitable).
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