The study<\/a> also showed that African Americans and Hispanics are overly represented in consumers with lower scores. Today, many people feel that the use of credit scores in determining one\u2019s eligibility for insurance and how much they pay is discriminatory and some states have outright banned the practice. States that have banned this practice include California<\/a>, Hawaii, Maryland, Massachusetts, Michigan, Oregon and Utah. Other states have temporary bans and\/or restrict how credit scores can be used in determining car insurance rates.<\/p>\n\n\n\n In many states, however, insurance companies are allowed to use your credit score as one of the factors to determine your car insurance rates. If you have poor credit \u2013 even through no fault of your own \u2013 your rates could be higher than someone who has good credit. However, there are some things you can do to find cheap car<\/a> insurance or lower your current car insurance bill.<\/p>\n\n\n\n There are some tried and true methods for finding low-cost auto insurance. Keeping your finances healthy is one, but you can still find affordable car insurance if you shop around. Here are some tips:<\/p>\n\n\n\n Obviously, keeping your financial house in order is vital in some states to getting the best rates possible on your car insurance.<\/p>\n\n\n\n Although sometimes it may be easier said than done, maintaining a clean credit history and displaying regularity in making your monthly payments on time can prove quite beneficial to you more often than not. If you have a low credit rating<\/a>, then you should do everything in your power to improve it as much as you can as soon as possible. Of course, unexpected circumstances that are out of your control such as an illness, long-term unemployment, disability, and divorce can throw a good-sized wrench in your attempts to turn things around quickly. In most of those cases, you have to ride out the storm, which can unfortunately take a great deal longer than you\u2019d like.<\/p>\n\n\n\n One of life\u2019s inconvenient, but necessary expenses if you drive a car, insurance isn\u2019t something you can afford to skip or ignore\u2026ever. The consequences of driving our streets and highways without it can be extremely harsh \u2013 whether you get pulled over by law enforcement or get involved in an accident while uninsured. It\u2019s not a risk you should be willing to take. Getting caught driving without insurance will most likely result in you being labeled a high-risk driver<\/a> \u2013 with corresponding high premiums.<\/p>\n\n\n\n It\u2019s a well-known fact that switching insurance carriers is one of the fastest ways to save money on car insurance. So, shop around and compare auto insurance quotes<\/a>. Just be sure you are comparing apples to apples.<\/p>\n\n\n\n Your car insurance deductible<\/a> is the amount you pay before the insurance company kicks in when you file a claim. If you can afford to raise your deductible (even from $500 to $1,000) you\u2019ll be saving your insurance company some money and that typically results in a lower monthly premium. Just be sure you can afford your deductible. Remember, if something happens and you need to file a claim, your insurance company won\u2019t start paying until you\u2019ve paid your deductible.<\/p>\n\n\n\n All insurance companies offer their customers discounts. Finding out which ones you qualify for is just a matter of speaking with your agent. Are you a good driver<\/a> with no claims for 3-5 years? Have you recently taken a defensive driver course<\/a>? Are you a current or former member of the U.S. Armed Forces<\/a>? Will you be taking out multiple policies<\/a>, such as for home insurance and car insurance? These are just the tip of the iceberg for policy discounts. Don\u2019t leave money on the table when it comes to your car insurance discounts!<\/p>\n\n\n\n These are just a few of the ways you can lower your car insurance deductible \u2013 even with poor credit. Above all, don\u2019t take your credit score lightly. It controls many aspects of your financial life\u2026from your ability to purchase just about anything on credit, to being able to get your dream job, to getting a break on your car insurance.<\/p>\n\n\n\n You should make a habit of checking on your credit score. Federal law requires the three main credit reporting companies \u2013 Experian, TransUnion and Equifax \u2013 to make your credit reports available free of charge once a year. You can also sign up for any number of sites that will monitor your credit score. Some of these are free and some charge a fee. Keeping an eye on your credit score is also a good way to monitor your finances for ID theft.<\/p>\n\n\n\n The Consumer Financial Protection Bureau is a U.S. government agency that provides your free credit reports online<\/a>, by calling (877) 322-8228 or by downloading and filling out the Annual Credit Report Request<\/a> form and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Note: You won\u2019t receive a credit score from these credit bureaus. You will receive a credit history so you can check for mistakes or improper listings.<\/p>\n\n\n\n While you may not be able to change your credit rating overnight, you can check to see if you\u2019re getting the best rates on your car insurance. At Freeway Insurance, we are all about helping everyone find car insurance they can afford. Why not get a free car insurance quote<\/a> today? You are also welcome to give us a call at (800) 777-5620<\/a> or stop by one of our convenient locations<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":" How Your Credit Score Impacts Your Car Insurance Premium When the Federal Trade Commission (FTC) became aware that insurance companies were using a person\u2019s credit score not to determine if they were more or less likely to pay their bill, but as an indicator of whether or not they were more likely to file a […]<\/p>\n","protected":false},"author":1002600,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[76,5],"tags":[85],"importance":[],"type-content":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/1338"}],"collection":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/users\/1002600"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/comments?post=1338"}],"version-history":[{"count":11,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/1338\/revisions"}],"predecessor-version":[{"id":9454,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/1338\/revisions\/9454"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/media?parent=1338"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/categories?post=1338"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/tags?post=1338"},{"taxonomy":"importance","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/importance?post=1338"},{"taxonomy":"type-content","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/type-content?post=1338"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}How Can I Find Cheap Auto Insurance with Poor Credit?<\/h2>\n\n\n\n
Keep Your Financial House in Order<\/h3>\n\n\n\n
Never Skip Buying Car Insurance<\/h3>\n\n\n\n
![\"Latinx](\"https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2022\/08\/freeway-is-my-credit-score.jpg\")
<\/figure><\/div>\n\n\n\nSwitch Insurance Carriers<\/h3>\n\n\n\n
Tweak Your Deductible<\/h3>\n\n\n\n
Take Advantage of Every Car Insurance Discount<\/h3>\n\n\n\n
How Can I Find Out My Credit Score?<\/h2>\n\n\n\n
Find Affordable Car Insurance Online Even With Bad Credit<\/h2>\n\n\n\n