Read this and Save 40% or more on your car insurance by doing these 7 simple steps and save big money.
The credit check is not the most important part of the application and even if your credit is bad you can still save money.
The answer to your question is most car insurance companies these days will do a credit check when you buy car insurance but not all of them will and you can sometimes get around it.
Also, keep in mind that even if your credit is bad you will not be turned down for car insurance, especially if you have a good driving record.
Automobile insurance companies understand the times we are living in.
7 Steps to save money.
1.
One way you can get around a credit check when you buy car insurance is if you buy it from the same company that you already have your policy with.
2.
Raise your credit score.
Since you seem to be concerned about this area the first thing I would tell you is to get your bills caught up in and pay all of your bills on time for at least three months before you even apply for car insurance.
3.
Raise your deductible.
If you raise your deductible up from $200 per accident to $1000 per accident you will lower the cost of your insurance about 40%.
4.
Go to driving school.
If you do this you will lower your rate by 10% and if you have had any accidents or outstanding tickets diving school completion will remove the points on your drivers license and will in turn lower the cost of your car insurance.
5.
Get liability insurance.
If you go to a liability insurance policy for your car you will save another 20% on your car insurance.
However, keep in mind that if your car is financed are going to have to have comprehensive automobile insurance because the finance companies will insist on it to protect their investment.
6.
If at this point, you are still insisting on no credit check with your insurance application check and see if you can get insurance through the company where you work.
7.
Another way of getting insurance without credit check is to make an application as part of a group and many times insurance companies will not do a credit check but there is no guarantee with this method.
Jimmy says most insurance companies are probably going to do a credit check but there are still ways you can lower the cost of your car insurance.
Auto insurance without credit check is not usually the case but you can save money with or without a credit check as part of your insurance application.