Means they aren't sure you're gonna pay the loan. If your score is high, it means you have the ability to pay the loan. You're not a risk. You have bills that are being paid. So again I try and explain. Get a Credit Card from your bank. Pay your loan with your credit card. Pay your credit card off in FULL. *make sure you have the money in your account.
The amount of miles you use each day on your car lowers your auto insurance. Less mileage, less risk of am accident.
Bad credit = more likely to be involved in a claim.