I always knew credit scores figured into how much you pay for insurance, but I never mentally put these two together. The fact is, 0% balance transfer and credit card arbitrage schemes wind up costing you money on your insurance premiums because premiums are more expensive when your credit score is lower. ...And clearly, having $100,000 on the books as a 0% loan is going to lower your credit score. So how much more will you pay for insurance? Looks like we'll never know.