General Insurance

Is it possible to purchase insurance on a car not owned by me?

Yes, you can get insurance for a vehicle not owned by you — the best option would be to have your friend add your name to the registration before getting insurance or get your own policy but have your friend listed there as insurable interest. You can also get non-owners insurance, but you should only opt for this if you don't plan on driving the car regularly as it only provides liability coverage, so you won't get full coverage with collision and comprehensive.

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Car Insurance Costs

Will being an older driver with poor credit affect my car insurance rates?

You are correct in that having a poor credit history will raise your rates. Age can be a factor as well.

Coverage & Claims

What model car can I pick to get the cheapest insurance rates?

The cheapest type of car to ensure is typically an early 2000's four-door sedan. You want it to be a car that you are not making payments on that way you do not have to carry comprehensive and collision coverage.

Car Insurance Costs

What do I put in a quote if I don't have a credit history

Not having a credit history doesn't mean you have bad credit but it will take time to build credit. I suggest speaking directly with an agent and see what they suggest as it could be company specific.

Eligibility
General Insurance

Insurance without a credit history

Considering your age, your best bet for finding a company without a credit score is to speak directly with an agent or customer service rep. Like your driving record, your credit score can tell an insurance company a lot about you - including what kind of car insurance client you will be to them.

General Insurance

Is car insurance a hard or soft credit check?

Soft credit check. There are companies that do not use credit as a rating factor.

Eligibility

Can I be added to my boyfriend's policy with my vehicle?

The answer would depend on where you live or park your vehicle the majority of the time. If you live with your boyfriend, you should be able to be added to his policy.

Car Insurance Costs

How do I get cheaper rates in Oregon if I have to file an SR22?

Outside of shopping with as many companies as possible to find the lowest rate, I'd recommend driving much more cautiously. Only time is going to make your rate any better since you have so many incidents on your driving record.

General Insurance

Why does your fico score impact your insurance rate?

A credit score is a section of the overall "insurance score" that partially determines your insurance premium. The reason credit is used to determine rates in most states is due to the correlation between a driver's score and their likelihood to file a claim.

Eligibility

Can I be denied certain coverage because of my credit score?

I couldn't tell you with any certainty whether or not that is the case since I don't work for that company, but it's certainly possible since each company has their own set of underwriting requirements. Either way, I can imagine that you aren't satisfied by their response, and with good reason.
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