Do All Auto Insurance Companies Check My Credit Score
Reader’s Question:
Do you know any insurance companies in Alabama that do not use your credit score? It seems like your driving record means nothing anymore when your credit score is low?
Chris
Montgomery, AL
Not all insurance companies check credit score when an individual buys car insurance so you may be able to find one in Alabama that would not check your credit record for the credit score as part of their rating process.
If Insurance providers could find a rating variable that is more accurate than credit score, these insurance providers would readily use it. Credit scores have been one of the best predictors of high risk drivers, thus carriers have adopted them as a rating factor.
The best thing that you can do is to shop around for auto insurance quote in Alabama. You may find an insurance company that does not check or you might find that using credit record, as a rating factor will still provide you a competitive rate.
