Your credit score is one of the factors most insurance companies use to determine what your rates will be for most insurance policies, including car insurance. Maintaining a credit score of 650 or higher will earn you discounts on your insurance, with the largest discounts going to those with the best credit score. However, if you do not want your credit score to be used in setting your rates, there are some companies which do not use your credit score, as well as a way to avoid credit checks completely and still get the most reasonable rates available to you.
If you are paying installments on your car insurance, your credit score matters. Companies such as Allstate offer no credit score insurance policies, but the premiums are among the highest premiums offered to car owners. Because credit is such a large factor in insurance, any policy you buy without having your credit score checked will result in a higher cost. Typically, no credit check insurance is sold by high-risk insurers, and failure to have a credit check automatically puts you into one of the highest risk groups.
If you want to get cheap car insurance quotes without having your credit score involved, the trick is to avoid having payments on the policy. By paying the full policy premium at one time, the insurance company will skip your credit score check and give you a large discount for the lump-sum payment at the same time. For those with a low credit score, this option will allow you to have affordable coverage while working to bring your credit score back up to acceptable number.
Additionally, some states, such as California, do not allow insurance companies to use your credit score as a factor in your insurance cost. To find out whether your state allows the use of credit scores, call your state's Department of Insurance and ask them. That department can also refer you to high risk insurers if you are having trouble getting car insurance through traditional carriers.