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?
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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
Vehicle
Coverage level
If your car is an older model and does not need physical damage coverage, get quotes for
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