But you must have insurance to drive<\/a>. The good news is that you can get car insurance even with bad credit<\/a>. In fact, there is insurance for drivers considered to be a higher risk for several reasons. And that insurance coverage is much more affordable than you might think. Let\u2019s take a closer look.<\/p>\n\n\n\n There are all kinds of reasons a driver might become what an auto insurance company considers to be a higher risk. It might be because of a poor driving record, or because you\u2019ve been driving without car insurance for a long time.<\/p>\n\n\n\n Your credit history is one reason you might fall into that high-risk category. Insurance companies may attribute a low credit score to irresponsibility. That\u2019s not fair to everyone, but it\u2019s how the system works. For that reason, a company might either raise the cost of coverage so high that you can\u2019t afford it or not even offer you insurance in the first place.<\/p>\n\n\n\n Either way, you\u2019re in trouble. No insurance means no legal way of driving. Let\u2019s take a quick look at what your credit score is and how it affects you.<\/p>\n\n\n\n Various companies exist mostly just to keep track of everyone\u2019s money-spending history and translate it into what\u2019s called a FICO credit score<\/a>. These companies have names like Experian, Equifax, and TransUnion.<\/p>\n\n\n\n Just about every company that offers you some sort of credit, including credit card companies, housing providers, car dealers, and utility companies report your financial dealings with them to these companies. With this information, you\u2019ll get a FICO credit score. If you have ever been late making these payments or defaulted on a loan, those and other factors give you bad credit. For that, you may get a low credit score.<\/p>\n\n\n\n It\u2019s not impossible to get car insurance with bad credit, but it\u2019s certainly more difficult. A poor credit score could boost the cost of your car insurance<\/a> by more than $1,000 a year. <\/p>\n\n\n\n That\u2019s why it\u2019s important to keep track of your credit score and to get copies of your credit report at least once a year. Read it over carefully and contact the FICO scoring companies if you see errors that make your credit history look worse than it is. Errors aren\u2019t all that uncommon. <\/p>\n\n\n\n Different insurers have different definitions of what\u2019s considered poor credit. However, a FICO credit score of about 625 or lower would be called low by most insurance agencies. Low enough that the cost of an insurance policy could be out of reach.<\/p>\n\n\n\n Fortunately, there are agencies like Freeway Insurance that specialize in providing affordable coverage for all drivers. You can even get cheap insurance for bad credit<\/a>. <\/p>\n\n\n\n Don\u2019t despair if you have poor credit and you\u2019re getting sky-high quotes for your car insurance. All that means is that you\u2019ve got to work harder to find the coverage you can afford. You\u2019ve got to go shopping. <\/p>\n\n\n\n The key is to find an insurance agent<\/a> you can trust. You should feel that you\u2019re able to discuss your money challenges and explain how you need to find cheap auto<\/a> insurance.<\/p>\n\n\n\n You might start by getting cost quotes for full coverage. But if the quotes you get for this category are still too expensive, start shopping for limited coverage.<\/p>\n\n\n\n The laws in every state are different when it comes to the minimum amount of auto insurance coverage<\/a> you must have to drive. But your qualified insurance agent will know how the law applies in your state and will be able to direct you toward the lowest cost and highest quality auto insurance you can afford at this time.<\/p>\n\n\n\n Although you have a low credit score now, the good news is that credit scores can and do improve. Your good financial decisions result in higher scores just like your bad decisions gave you bad scores. Just be patient and take small, smart steps at a time.<\/p>\n\n\n\n Here are several sensible tips<\/a> for effectively improving your FICO credit score over time. <\/p>\n\n\n\n You might have heard some bad news recently about your credit score and the high cost of your auto insurance. You might think you\u2019ll have to sell your car and walk to work and everywhere else you need to go. But that\u2019s not true.<\/p>\n\n\n\n Get a quote<\/a>, visit us<\/a> or call a Freeway Insurance agent today at (800) 777-5620<\/a>. Let us help you find your best car insurance for bad credit. You\u2019ll find it\u2019s much easier than you thought to find the coverage you need. <\/p>\n\n\nWhy You Might Need Car Insurance with Bad Credit<\/h2>\n\n\n\n
Does Bad Credit Affect Credit Scores?<\/h2>\n\n\n\n
Can I Get Car Insurance with Bad Credit?<\/h2>\n\n\n
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<\/figure><\/div>\n\n\nHow to Find the Best Insurance for Bad Credit<\/h2>\n\n\n\n
Yes, Your Situation Will Improve<\/h2>\n\n\n\n
Explore Your Insurance Options Today<\/h2>\n\n\n\n