Spanish Car Insurance
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Should you be trying to find motor insurance and have negative credit, then in most cases this would not influence the car insurance payment that they charge you.
Almost all car insurers will only take into account your driving history, for instance, if you have some driving convictions and how many years that you have not submitted a claim etc.
This is how the insurance providers determine your individual payment, by determining it on your motoring history.
Your financial history does not matter to them if you are able to pay the payments.
The only difference may be that the insurer may request that you pay the premium beforehand instead of providing you with a monthly automatic deduction opportunity.
You should note that the majority of insurance providers - like home insurers - initiate inquires on your credit report. But, this is entirely to hinder fraud which is done frequently for all applicants. The inquiry will prove that you have properly identified yourself. For instance, the insurance provider can look to see that you are reported to be living at the same address that you had mentioned on your insurance application.
These credit checks will not affect your credit rating at any time.
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