Short Term Car Insurance Age 17
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In the event you are looking for motor insurance and have bad credit, then in the vast majority cases this should not have an effect the car insurance fee that you are charged.
Most car insurance companies are only concerned with your driving record, such as should you have any driving convictions and the number of years without a claim etc.
This is how the car insurance companies calculate your individual premium, by basing it on your driving history.
Your credit history does not matter to them as long as you can afford the premium.
The single possible difference may be that the insurance company might require you to pay out the premium all up front rather than giving you a monthly direct deduction alternative.
Keep in mind that nearly all car insurers - much like house insurers - do searches on your credit file. Nevertheless, this is just for fraud prevention which is done regularly for all applicants. The search will authenticate that you have properly identified yourself. As an example, the insurer can determine that you are reported to be residing at the same residence as you have stated on your motor insurance proposal form.
Credit checks such as these will not have an impact your credit rating down the road.
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