Having a poor credit history can make it more challenging to obtain auto insurance. Many insurers do indeed consider a low credit score to represent a higher risk. However, this doesn’t mean you can’t protect your vehicle. On the contrary, there are companies that specialize in car insurance for drivers with bad credit—sometimes called “second-chance” or “third-chance” credit insurance—that take your financial situation into account.
With ClickInsurance, you can have your profile assessed by a network of insurers who understand the reality faced by drivers with a bad credit record. Our platform connects you with brokers and companies that offer policies adapted to your budget, without judging you solely on your credit score. This personalized approach gives you access to comprehensive coverage despite your financial history.
Fill out the quote form on this page and receive multiple offers from insurers who specialize in non-standard insurance for drivers with a poor credit record.
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Traditional insurers associate a low credit score with a greater risk of non-payment or higher claims. Consequently, they tend to act cautiously and may offer a higher premium or even reject certain applications. Insurers specializing in second- or third-chance credit, however, also look at other factors—like your driving record or employment stability—before making a decision.
Insurance companies often review your credit report or request disclosure of your credit history. This information helps them determine potential risk. It’s important to answer all questions honestly, as any misrepresentation could result in your policy being canceled.
Several strategies may help: choosing a higher deductible, qualifying for discounts (for example, for installing an anti-theft system or for limited vehicle usage), and maintaining a clean driving record. A specialized insurer can also suggest options to help minimize the increase in your premium.
Start by filling out the auto insurance form on ClickInsurance. Your information will be sent to brokers and companies specializing in coverage for drivers with bad credit. You can then compare offers and select the coverage best suited to your situation.
