Credit scores and credit reports don?t always tell the full story about a person, but they do indicate your ability to pay your bills.Car insurance companies do check credit as to determine your insurability. Your premium is a bill like any other, and a poor credit score can alert an insurer of financial trouble.

1')' Auto Collision: Helps pay for damages to your vehicle after an accident, regardless of whos at fault. 2')' Comprehensive: Protects you from non-accident related incidents like theft, vandalism or hail. 3')' Liability Car Insuarnce: Covers injuries and damages you cause to others and their property in an accident.

When you make an insurance claim or begin the process to switch insurance companies, information about your claims history is placed into a national loss-underwriting database. That information can be accessed by all insurance companies that are considering insuring you.