What kind of credit do you need to get a good rate for auto insurance?
I finally saved up enough to buy a car in cash. My credit history is terrible, but I have been working really hard to improve it. I need insurance for the state of California. Will I be eligible for a policy?
“Turning around a low credit score isn’t easy; kudos on all your hard work!
I have great news for you: California does not use credit score as a rating factor for automobile insurance. Ratings in California are more focused on the following factors:
- Age and driving experience
- Annual mileage
- Driving history
- Coverage level
If your car is an older model and does not need physical damage coverage, get quotes for liability coverage only. This will help keep even more money in your pocket. “
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Browse by topics
What others are asking
Does my name have to be on the lease to qualify for renters insurance?
"I'm living in a shared apartment with a roommate. His name is on the lease, but mine isn't. Do I still qualify for renters insurance, even if my name isn't on the lease? "
Apr 09, 2021
Does my husband need to submit a PIP claim after a medical episode?
"My husband experience a medical episode while driving, which caused an accident. He was taken to the hospital and had to stay for a few days, but he wasn't injured in the accident. Our car insurance sent us paperwork about the hospitalization and accident. Do we need to submit a PIP claim to our insurance? Or should it just go through our health insurance?"
May 20, 2021
Will GEICO cover the cost of replacing my airbag under uninsured motorist coverage?
"I was involved in an accident and the other driver was at-fault but didn't have insurance. My airbag was damaged in the accident and I need to get it repaired. Will my uninsured motorist coverage pay for the damages?"
Jul 27, 2021