Getting car insurance can be a hassle, especially if you don’t have the best of credit. Many insurance companies want you to have this “picture perfect” credit score or they will give you high premium and monthly payments. However, there are a few out there that will give you a good deal, all you have to do is search around your local area or on the internet.
Doing a quick “car insurance for bad or no credit” search on your web browser will do the trick into finding you a great match. After you found one you like, you can check their background on the BBB website (Better Business Bureau). This site will tell you whether you will be working with a legit company, and they will have reviews of said company, all you need to do is type in your location and the company and this site will do the rest.
I have personally been through four different car insurance companies before I found the right one, and I have had bad credit most of my adult life due to my identity being stolen. Although my credit status was not exactly my fault, I still had a hard time finding a company that would not charge me an arm and a leg to have their service. After many searches and driving around my own town I finally found a company that was willing to help me out and I only pay $60 or less every month for my car insurance, which isn’t bad, but that is for liability only. I have also found others that will help you if you are a college student, have more than one car to insure, and have children that are in school. Which means if you have bad credit you can still get a discount for those things.
As I said, car insurance companies love to find the littlest things to charge you extra for and bad credit can be one of them, but there are a lot of choices out there and I am sure you can find a great one if you dig a little online and even in the phone book. All it takes is digging into the company’s background through BBB in order to make sure they are a legitimate company and even ask the company if they have any deals for those with not so great credit. Always have the company give you a description of the insurance policy and understand what amount you are being charged and for what service, also always make sure you keep track of your policy, especially having no good credit, doing this can help you in the long run.