Why Does Bad Credit Affect Car Insurance? 
The reason is just liked mentioned above . To see if they will get paid and how responsible are you . I have this questioned asked when someone is looking for full coverage and what surprises is the everyone check your credit . Buying an I phone ? Buying a car ? Leasing a Car ? Renting an Apartment ? Buying a home or condo ? Asking for a Loan ? . So out of everything i just mentioned the only thing that pays out in the event of an occurrence is Insurance . So why would n't they check your credit ? Remember when your asking for a quote online or over the phone and they say `` we have to run a financial responsibility check '' that 's a soft check that the company is doing . Almost every carrier that i represent now and have represented across five states in the past check credit . My suggestion to you is let the agent or company know if that the issue so they can tell you upfront if you qualify or not . Thank you and good luck . 