By Cameron Huddleston, Former Online Editor September 22, 2009 Insurance companies share information about your claims history with each other through the Comprehensive Loss Underwriting Exchange (CLUE), and a history of homeowners and auto claims -- even small claims -- can result in a rate hike. If you have too many claims, you may have a tough time qualifying for a policy at all. Go to ChoiceTrust and make sure there aren't any mistakes in your CLUE report. Before you buy a home, check out its CLUE report -- even if you've had a spotless claims record, you could have a tough time finding affordable coverage if the previous owners made a lot of claims on the home. To learn how to save hundreds on auto, home, life and long-term-care premiums.see Slash Your Insurance Costs.