How Long Should You Keep Car Insurance Premium Statements
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In the event you are attempting to get car insurance and have negative credit, then in almost all situations this should not have an impact the motor insurance payment that you will be charged.
Most car insurers are only interested in your motoring history, such as whether you have some driving convictions and the number of years that you have not submitted a claim etc.
That is the way in which the car insurance companies come up with your specific premium, by taking into account your driving record.
Your credit record is not important to them if you can cover the monthly premium.
The only difference could be that the insurance company might instruct you to give the premium beforehand as opposed to presenting you with a monthly prearranged debit opportunity.
You should note that all but a few car insurance providers - similar to property insurers - run checks on your credit file. Nevertheless, this is purely for dealing with fraud which they do routinely for everyone who applies. The search will confirm your identity. For instance, the insurance company can find out that you are officially residing at the same residence that you had mentioned on your car insurance application form.
These searches will not have an impact your credit score at any time.
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