laura adams of insurance quotes.com says california, hawaii and massachusetts are the only states that don't key insurance rates off of credit scores. among suggests to get a lower rate on car or home insurance: pay bills on time, don't max out credit cards, and check your credit report for mistakes. a hit and a miss. airline stocks are reporting earnings this week. united airlines parent united continental cited higher revenue, but fell short of what wall street was looking for. however, stellar earnings for southwest. it reported third quarter earnings that beat expectations thanks to higher ticket prices and lower fuel costs. southwest said it's november and december bookings are strong. jeanenne tornatore of orbitz-dot-com says flyers can expect to pay more this holiday season. " what we're seeing in terms of prices is that compared to last year according to orbitz bookings, average airfares are up 9% over the holidays and hotels are up 5%. so people may see a slight increase in what they will pay for their airfare." tornatore advises holiday travelers to book in advance and fly on