Have you missed any bill payments this month?  Skip a mortgage payment or a car loan installment lately?  You may think one or two payments won’t make a difference and that no one is paying attention.  Think again.  Your auto insurance company may be keeping track.  Your credit history is often one of the main factors used when an insurer either accepts or rejects your application for auto insurance, and can be one of the determining factors in how high or low your insurance premium is.  It sounds a little like “big brother”, but it’s true and, at least so far, the federal government and most states say it is legal.