Do all auto insurance companies check your credit?

Most insurers use credit checks to create a credit-based insurance score to help set your rate. Some insurers provide auto insurance with no credit check, which might seem appealing if you have a poor credit history. But purchasing car insurance from a company that doesn't check credit doesn't necessarily mean you'll pay a lesser rate than you will with a company that checks your credit.

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Why do auto insurers check credit?

Your credit history factors into your credit-based insurance score, which insurance companies use to help predict the likelihood of a future accident or claim. Note that certain states have laws that don't allow the use of credit information as part of car insurance pricing.

Credit factors impacting credit-based insurance scores

Favorable credit information can increase your credit-based insurance score, and may include:

  • Long-established credit history
  • Numerous open accounts in good standing
  • No late payments or past due accounts
  • Low use of available credit

How else can I save on my car insurance if I have a poor credit history?

Even if your credit history is substandard, a customized car insurance quote from Progressive may include multiple car insurance discounts to help you save on your auto insurance, such as:

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