Which car insurance companies do not use credit history to determine their rates? related questions

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Which car insurance companies do not use credit history to determine their rates?0Mahesh Chandra2012-06-27 19:17:01
Most insurance companies use credit information to determine the rate you get. Thus, having bad credit can make you pay a higher premium. What companies do not use credit information to determine your rate ?
I feel its profiling or discriminating for insurance co to use credit to determine rates,is it?0Tiff2012-07-19 23:21:02
have perfect driving record , but pay big bucks for my car ins . I have lost 48 years of age credit standing because doctors wives . Do you think I should start a class action suite some reason this is really unfair , perhaps discriminating and profiling me?
Are There Any Auto Insurance Companies That Doesn't Look At Credit History?0Lamont2012-08-14 07:39:02
Do they look like on your score alone, or your credit history at all? Do you offer an explanation of why your premium is high, as in, " you're paying more because you have bad credit? " Finally , what is a person with bad credit ( old debt ) to do?
Is there any PA insurance companies offering good rates for drivers with a bad history?0Jane2012-05-20 17:57:20
I have two tickets for speeding ten miles and then I have a little accident in the back Man I finished, but I backed up so it was put through his own fault . I desperately need a car to go to school and work. Is there anything out there?
Car Insurance companies determine your premium based on age/marital status/job/gender/credit (see below)?0yorkie2012-08-10 04:15:04
Why not just go ahead and be bred . I mean I do not agree with him , but there is a form of descrimination someone the price according to their age. Yes I understand there are statistics that show younger person have more accidents . But they already priced according to gender. I'm sure there are statistics showing that blacks and whites have more accidents after the other vice versa ....
Should companies be allowed to use your family health records to determine your coverage and rates?4He Hate Me 2012-10-12 04:24:01
I was reading recently that insurance companies are using family history to estimate the rates and even deny coverage where one can perceive a loss or a bad investment. I think most corporate employees are protected from such scrutiny, and should be allowed to join the group policies , except pre- existing conditions will enable the insurer to participate. But self-employed or employees of, say, a small private school can not get coverage at a reasonable price because his mom 's dad had a heart attack , colon cancer , etc. ..
Why do insurance companies base rates on credit?3Jame2012-06-17 11:08:06
Disease damage to our family financially, but we recovered and are in the process of credit recovery. The funny thing is that we have never missed a payment of insurance - or have expired policies. We have been consistent users of 19 years playing safe . Our driving record and insurance record is also clean. Why is it fair for insurers to use credit against you - when you can not know the circumstances.
Which auto insurance companies DON'T use a credit score when deciding rates?0lulz2012-07-19 04:40:02
I disagree with the use of credit scores and auto insurance , and I would find a car insurance company does not use the method when selling me their service. Does anyone know of companies that do not check your credit, and instead uses your driving record , age, etc ... as it used to be?
Do you know of any auto insurance companies that don't base your rates on your credit report?1Quintina2012-09-17 22:15:03
Due to an illness/ disability in our family, despite having health insurance, we still owe thousands in medical bills. Those that would not work with us turned them into collection. They now show on our credit report. Despite being insured for both our auto insurance and our home insurance for 20+ year with the same insurance company, we got a notice saying our auto insurance had gone up hundreds of dollars per year based on a credit report they obtained. We have never had an accident, ticket, etc. and the amount automatically comes out of our checking each month. Plus, last year, prior to this, they switched us to a preferred group within the company and gave us a discount when we threatened to switch. How can I find out which insurance companies base your insurance rates on your credit report and or score? Will they tell you outright? This is the first I have ever known that our company did this and was wondering if all of them do it, or do you just know about it when you get a notice like we did? I get their reasoning but it seems like such a rip off when so many are in our boat- insured but with insurance that is starting to pay less and less and cost more. Plus, they have our checking account and if we were not to pay, they wouldn't be responsible for us if we had an accident anyway. Seems like a double whammy to me. Can anyone help?
Why, how and when did car insurance companies start determining rates based on my credit score?1AnOnYmOuS1232012-09-20 19:33:02
I have driven safely for 20 years without an accident or ticket and my cousin paid on time and in full each month. Now , I'm thinking of buying a new car and that the agency wants to check my credit . Well , that's fine and dandy for some fool caught in credit scam with a good result , but I have no credit . The rate I have quoted is astronomical and almost the price of the monthly payment of the whole car . MedlinePlus MedlinePlus When these agencies get to this scam and why the hell does this have to do with my credit card ? The only thing these criminals must face is my driving record and the fact that I paid every month !
Since auto insurance companies check credit if you ask for quotes from 5 or 6 companies will your credit score be affected4Ede2012-08-06 15:34:46
What is the best credit card to get for someone with little to no credit history?0tay2012-09-11 16:45:05
Im 21 and a student currently in college. I have no credit history unless you count my auto insurance bill and the 1 year i spent at UTSA paying for an on campus apartment. Other than that im brand new too the whole credit card game, looking to build credit. I'm living at home again and looking to move out soon so credit is a must. Curious as to suggestions to the card I should choose for my first? feel free to email

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