A: Since I can’t see your records with your car insurance company, I can’t tell you for sure, but I would say that it is very likely that the two are related, and it is also very legal. Although car insurance companies won’t do this every time you renew your policy, many do check your credit when you get a new policy and do so again once every one to three years. Companies who do this, and most do, are following the lead of companies which sell other types of insurance by using credit reports to compile an insurance risk score.

For those who have bad credit and are excellent drivers, it may seem more than a little unfair for them to be charged so much on their insurance for something they think is unrelated, but many 24 year old male drivers could say the same. What studies show, though, is that if you have bad credit, you will probably be filing a few car insurance claims. People with bad credit also have a history of, like you, defaulting on payments, and car insurance companies want customers they can be sure will pay them every month.

A: For people who don’t own cars, it is still often necessary for them to drive using cars borrowed from other people, and so even if they have had their license suspended, they may need a driver’s license in order to get around. SR22 insurance for non owner drivers exists for people in these situations, so that they have the option of reinstating their suspended driver’s license with an SR22 form the same way others who do own cars do.  The SR22 part means that driver was convicted of either driving without a license, driving drunk or under the influence of drugs or driving with a suspended license.  Any way you slice it, they are high risk drivers.

You can find SR22 insurance for non owner drivers practically any place which sells car insurance policies, and many companies even allow you to purchase your non owner policy online. Some companies may not sell a non owner policy because, since they don’t know what kind of car you will be driving, it is considered high risk.

With a SR22 insurance for non owner drivers policy, you will only be able to purchase the minimum no fault and liability insurance in KY. Your insurance will also only cover you when you are driving cars which are not registered in your own name.

A: You may just be with a car insurance company which doesn’t have a lot of discounts. I would say that is the first sign that you need to get out. Start looking up quotes online and think about changing to a company with a lower car insurance quote and a better range of discounts. Depending on the size and number of discounts you’d qualify for, sometimes it’s better to trade a lower initial quote for a lot of discounts.

Many of the discounts aren’t applicable to a non owner SR22 insurance policies because they involve aspects of he car, such as anti theft device discount, low mileage discounts, safety feature discounts, and the like. But many are careless discounts.

For example, you can get a discount for combining your insurance policies, by getting your life, health, home owners/renters, and car insurance all from the same company. You can choose from a variety of student and senior discounts, or take classes to watch your non owner SR22 car insurance rate plummet.