1. 1615 POINTS
    Ryan Andrew
    President, The Andrew Agency, Richmond, VA
    Yes. Most auto insures use credit as a rating factor but credit does not determine eligibility. Credit is a big rating factor so the better your credit score the better your insurance rate. Other factors used to determine your rate are driving record, claim record, type of vehicle, prior insurance and the length of time you've been with your insurance company. Some insurance companies are starting to charge more for customers who switch companies every year.
    Answered on August 22, 2013
  2. 15645 POINTS
    Edward HarrisPRO
    Owner, Best Health And Car Insurance Rates - Instant Online Quotes, US
    You can get auto insurance if you have bad credit. Although most carriers will offer a discount if you have excellent credit, conversely, there are also many companies that have affordable premiums when you have a few "blips" on your record.

    The key is finding those insurers! As an experienced broker, our job is to help consumers in that situation shop and compare the best companies in their area. The combination of our experience and website presence will allow you to save money.

    There are many other variables that impact what your premium will be. For example, your zip code, the types of vehicles you drive and your driving record must all be considered. Sometimes, if your credit is not good, the other factors will help you get a low rate.
    Answered on August 22, 2013
  3. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    Yes you can. Having a tough credit history may mean that you pay more for the coverage than say your neighbor who has very good credit. Credit really only effects the base pricing when a car insurance policy is being rated. This is very much unlike a bad driving record or accident history that can directly effect not only pricing but availability of standard issue car policies.
    As has been said before, keep in mind that credit is only one of many factors that can have an effect on what you pay for your car insurance protection. Talk to your Insurance Professional about any available discounts.
    Answered on April 9, 2015
  4. 164 POINTS
    Insurance Agent, Allstate Dominguez Agency, Arlington, TX.
    There are several non-standard insurance carriers that will not factor in your credit even for rating purposes. As many have mentioned, many companies will use it to factor your rates due to the likelyhood that a person with good credit usually will always pay on time and will remain a long term customer, of course there is always the exception and the customers who shop around each renewal either way.
    Answered on October 29, 2015
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