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Car Insurance Declined Because of Bad Credit?

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If you apply for car insurance and you are turned down because of bad credit, there are some steps you can take to deal with the situation. Don’t assume that the information the car insurance company is using is correct. Get a copy of your credit report and examine it carefully for errors. If you see anything that is a problem, write to the credit reporting agencies to have the error removed from your report.

It may take some time to have errors on your credit score corrected, and in the meantime, you still need to find car insurance. You will need to find a car insurance company that doesn’t pull credit reports as part of the evaluation process for new customers. Contact a few companies directly to ask whether they routinely check credit history before issuing a policy. An independent insurance agent can also help, since they can shop around to find coverage for customers that will fit their needs, including a situation where the car insurance buyer has less-than-perfect credit.

The other part of the equation is for the car owner to start working on repairing his or her credit. Paying bills on time is a great start. Over time, the credit score will improve and once the credit rating gets above the 600 level, the customer will have more choices as far as car insurance providers are concerned.

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