How to Get Auto Insurance Quotes Without Credit Check?
Insurance companies always try to check the credit score of their customers, in order to determine whether or not they are risky to be insured. Over time, many insurance agencies find clients with bad credit scores having higher number of accidents and filing a number of claims with them. The insurance fraud rate is also higher. If you have low credit scores, it is of course sensible to try and increase them. If that is not possible, you will like to find companies that offer auto insurance quotes without credit check.
Pay up front insurance money
In many cases, insurance providers do not check credit scores when clients pay them beforehand. By making up-front payment of insurance money, you can avoid checking of your credit score – which might not be flattering anyway. Keep in mind that going up-front in order to avoid a credit check can actually mean more expenses from your end. In order to avoid high expenses up front, you can look for local insurance providers instead.
Sign up with local insurers
You have another option in the form of local insurance providing agencies. Such types of agencies often offer insurance policies to drivers who are unable to get insured by other companies due to issues such as low credit score. Given that local insurers have a better knowledge of your region, they can offer a better rate.
Apply as part of a group
You can also get auto insurance quotes without credit check if you apply as part of a big group, such as a company or organization. When someone submits an application along with other members of an organization or company as part of a group auto insurance policy, insurance providing agencies often skip individual credit checking process. However, there is no surety with this process. You may end up being checked, if the insurance provider for your company is very strict.
Make an online or phone quote request
There are also instances of people getting away with credit checking and having their car insurance applications approved when they request a car insurance quote online or over the phone. However, you need to insurance that the no credit check insurance package actually applies to purchasing the policy.
Get referrals
If you have a friend who has a similarly low credit score as you, and has been granted a car insurance package, you can get referrals from him about the company that he or she has gone with. Referrals are a tried and tested way of finding insurers, and with some research and luck on your side you will have someone guiding you about a no credit check insurance agency.
Although not all people with bad credit scores do this, higher rates are still charged by insurers as they do not quite believe such high risk people would be able to profitable for them in the long run. It is quite natural why you would like to choose a no credit check provider. The above steps will be very useful in finding such a company.
Check out my other guide on Auto Insurance Quotes With SR-22 and Car Insurance Brokers Medicine Hat