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No Credit Check Car Insurance

Is it time for you to renew your existing auto insurance policy? Perhaps you are looking for more affordable car insurance coverage. If so, you need to be aware that insurance companies are permitted to transfer your insurance account to a subsidiary company, cancel your current insurance policy or raise the cost of your premiums, depending on your credit rating.

That’s right – most insurance companies consider your credit score, in addition to other factors such as your age, location and driving record to assign your risk factor. Therefore, if you want to obtain auto insurance without having to undergo a credit check, you will require time and patience. Some insurance companies will not permit you to renew your current auto insurance policy if you have a poor credit score. It doesn’t matter whether you have paid all of your insurance premiums promptly or failed to ever file an insurance claim. If you want to ensure you will not be denied coverage, you should look for an insurance company that offers what is called no credit check auto insurance.

Why Insurance Companies Consider Your Credit Score

The majority of insurance companies factor your credit score when they determine your auto insurance eligibility and rates. This is because there is a proven correlation between risk and financial stability. The insurance industry maintains detailed statistics concerning insurance claims and a policy holder’s credit rating. Statistics reveal that drivers who have lower credit scores tend to exaggerate insurance claims more often, are more likely to commit insurance fraud and file a higher number of claims.

Unfortunately, you may be required to pay a higher premium simply because you fall in the category of drivers with a poor credit rating. As the Insurance Information Institute remarks, “Insurance scores don't predict the actual experience of one individual. They predict the average claim behavior of a group of people with essentially the same credit history.” That is why it is so important to try to maintain a high credit score. Any scores below 600 are considered poor, and score higher than 700 are normally considered good. Although individuals with a low credit score often file more claims, exceptions exist. There will always be policy holders with a poor credit score who have never filed an insurance claim and have a perfect driving record.

Reviewing Your Credit Report

If you are denied insurance coverage because of your credit score, you are entitled to receive a free copy of the document, according to the Fair Credit Reporting Act. There are three major credit reporting agencies that provide information about your current credit rating: Experian, TransUnion and Equifax. The Federal Trade Commission or FTC explains what is covered in this type of document: “your credit report contains information about where you live, how you pay your bills, whether you have ever been sued, arrested or filed for bankruptcy.”

Correcting Errors & Dealing with Identity Theft

A poor credit score may result if you are out of work and unable to pay some of your bills. However, falling victim to identity theft is another reason why your credit score may suddenly drop. Identity theft is becoming a much more common problem, and it can have devastating emotional and financial consequences for the victim. You can obtain more information about this subject by contacting the Federal Trade Commission or by visiting their website.

If you are concerned that you have fallen prey to identity theft, you should request a copy of your credit report. Review the document very carefully to ensure there are no errors and all of the information it contains is accurate. If you discover any errors, you can have them corrected. The problem is that the process can be very time-consuming and difficult.

If you are experiencing difficulty having errors on your credit report fixed, you may want to look for no credit check auto insurance. Obtaining this type of car insurance coverage may be simpler and less frustrating than trying to have any credit report errors fixed. Nonetheless, you should contact your credit reporting agency as soon as possible to notify them of any errors or problems.

Assessing Driver Risk Levels

Most insurance companies need to assess your specific risk level before they will renew an existing auto insurance policy or sell you a new one. They require accurate and objective information concerning each prospective policy holder because they decide to issue an insurance policy. By assessing risk factors of drivers, insurance companies can manage risk and predict insurance claims more effectively. This enables them to offer insurance coverage to a large number of consumers at a lower rate.

Where to Find No Credit Check Car Insurance

The good news is that you can locate insurance providers who offer convenient no credit check auto insurance. It just may require a little of your time and patience. If you have a poor credit rating, you should look for such an insurance company. You can conduct an online search to find insurers who offer no credit check auto insurance or try contacting the insurance department in your state.


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