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

I am looking for insurance for my car. Unfortunately, I have a bad credit history. Also, I am an older driver. I worry that I won’t be able to afford the payments.

Agent Answer


You are correct in that having a poor credit history will raise your rates. Age can be a factor as well. However, credit history and age are not the only factors that insurers consider when putting together your policy. There are many different factors that go into calculating your rate. In Montana, for instance, your gender, marital status, insurance coverage history, and driving record could all potentially be considered.

For more information on how your rates are calculated, as well as how to find cheaper insurance, see the information below.

It’s always worth shopping around when looking for insurance. The Zebra can quote you with several companies at once. You can also give us a call at 888-807-3823. Good luck and if you have any questions, don’t hesitate to ask.

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