Searching for car insurance with no credit check can be quite the challenge. However, there are insurance providers that do offer these types of coverage. If you’re on the market for a renewal, you can turn to state insurance regulation agencies to help you out. They should be able to recommend insurance providers with affordable rates.
Looking for No Credit Check Auto Insurance
Many car insurance companies measure your risk before they renew your policy or sell you a new one. They analyze statistics to predict how often you’d make claims, to conduct risk management and to offer appropriate coverage to people who need them at affordable costs.
You could start online by getting quotes from reliable insurance comparison websites such as MoneySupermarket or GoCompare, which have been in the business of helping people get the best deals since the dawn of the internet. For this type of car insurance no credit check is ever performed but this can raise the overall cost of the coverage.
Your Credit Score and You
For many insurance companies, credit scores are solid indicators of risk. First thing you need to do before shopping around for car insurance is to obtain a free copy of your credit report which you are entitled to get via the Fair Credit Reporting Act and through any of three major credit agencies (Equifax, TransUnion or Experian).
Be on the lookout for errors in your report. More often than not, this is the reason why drivers look for no credit car insurance. Rectifying errors in one’s credit report is very time consuming. If you find errors in your report, you reserve the right to report them. The agency who issued the report is required by law to investigate the matter and make necessary corrections as soon as possible.
Another issue you need to peel your eyes for is identity theft. You could have a bad credit score because someone else has stolen your identity.
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