Direct Auto Insurance No Credit Check
Do you have a deficient credit score under 600? Get Cheap Direct Auto Insurance No Credit Check Online. Fast, Free Quotes. Lowest Rates From $18 a Month.
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Most people think the car they drive or their driving record plays the most significant part in determining auto insurance rates. While these factors play a significant role, a person’s credit rating is more important than ever. People that have deficient credit scores under 600 can be classified as high-risk motorists. This results in premiums that can be 50% or higher than those with good scores above 700. Good drivers often search for direct auto insurance no credit check to compare insurers that don’t require a background credit review.
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Some Insurers Won’t Insure Poor Credit Customers
Some consumers have terrible credit. This means multiple unpaid bills, bankruptcies, and other serious financial issues. Insurance carriers are all about mitigating risk. They view these types of consumers as high risk.
People with bad credit often get into more car wrecks and get issued more tickets, but they also tend to commit more insurance fraud and inflate claims. They also tend not to pay their premiums more frequently or cancel their policies altogether more often.
This results in carriers frequently losing money and raising premiums for everyone. As a result of these and other factors, many insurers refuse to cover those with credit scores below 600.
Many people are responsible for their finances, but a business or personal event, like a divorce, can cause their score to go down. The good news is some carriers offer direct auto insurance with no credit check. They provide high-risk coverage at rates that begin at about $100 per month.
If you have bad credit and get rejected by a provider, don’t give up. Do more research into companies like The General that offer coverage to higher risk customers. Enter your zip code and compare online rates today!
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Why is Direct Auto Insurance No Credit Check Favorable?
Many companies check a person’s credit because it is a useful measuring tool to determine someone’s risk. Each type of insurance: automobile, homeowners, health, and life carries inherent risks to the company underwriting the policy. The higher the score, the more responsible a person is likely to be.
Someone who takes care of their finances will probably take care of their physical health. This means they are less of a risk to insure, both for a health and life insurance policy.
Good credit scores above 700 will help you get better rates on all insurance types, not just car insurance. In this case, you wouldn’t need to get direct auto insurance no credit check.
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Take Steps to Increase Your Credit Score
If your score is low, do not take it personally. Bad things happen to all of us, including uncontrollable financial events. Your insurer will not single you out; they will classify you with others, that also have low scores. You can take adequate steps to increase your credit rating. Here are just a few tips:
- Pay All Your Bills on Time. You need to pay your monthly bills anyway, so it only makes sense to pay them on time, or better yet, early. Doing so will raise your score.
- Pay Down Maxed out Credit Cards. Having multiple credit cards that are all maxed to the limit can hurt your credit rating. Take action and pay off as much of the balance as you can. This will raise your score in only a few months.
- Review your Credit Report. At least once a year, you should take a close look at your credit report. Look for false or incorrect items that should be removed. The cleaner your report will be, the higher your score will go.
What is a Good and Bad Credit Score
Experian, a leading rating firm, views a good credit rating at 700 or above. However, what may be a good score from one company might not be so from another. 700 is a reasonable threshold and a target for many consumers. The vast majority of scores are between 600 and 750. However, a score below 600 is considered bad. Those with a score under 600 may find credit and insurance inaccessible.
Finding direct auto insurance no credit check has never been so easy. Start by entering your zip code in our Free Quotes Form.
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Check Your Credit Once a Year
Several websites, like CreditKarma.com, allow anyone to check their credit rating for free. Before you compare auto insurance quotes, go over your credit report to make sure it won’t adversely affect your premium costs. You are allowed to get a free report once a year, so take advantage of this and check it annually. There are three leading credit reporting firms: Experian, Equifax, and Transunion, and they all have easy to use and secure online websites.
Auto Insurance Companies that Don’t Check Credit
Three states have passed legislation prohibiting insurers from using credit as a factor in pricing premiums. These are California, Hawaii, and Massachusetts. Lawmakers passed laws to prevent discrimination against low-income wage earners, making car insurance unaffordable to those that had bad credit. This often resulted in people driving illegally without any coverage.
You can get direct auto insurance no credit check in these select states without submitting your social security number.
Several providers, including Progressive, Allstate, and Esurance, will give you quotes online without checking your credit.
If an insurer requires you to enter your SSN or social security number, they will probably use it to do a credit check, so be advised. Compare direct auto insurance quotes with no credit check and get the best online rates. It only takes about five minutes, and you can save hundreds instantly. Get started now by entering your zip code.
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