Looking for auto insurance no down payment can be a challenge. Most places will require some money upfront before they are ready to insure you. Companies are very unlikely to give you insurance if you have never had any before or if your credit history is poor.
The best way to find what you are a looking for is by doing research. Research is the key to getting and maintaining the best sort of insurance for your vehicle. It will tell you who is the best and why. You can find out what they cover and the prices to cover different things. Some sites will allow you to check instant rate comparisons so that you will know what other top ranking companies are offering.
The most basic type of insurance you have to have for a car you plan on driving is liability insurance. This is insurance that covers damages you may cause in an accident. It is not legal to operate a car that does not have basic insurance on it. For more information on what types of insurance you may need by state, you should check with the local DMV or contact a local insurance company, even one that you may not want to purchase insurance through, as they will be happy to tell you the laws.
If you are willing to take the chance on not having any comprehensive insurance, then you can get a basic plan fairly cheaply. This is probably the best way to find insurance that does not require up front payment.
Most places will do background checks on both your driving history and your credit history before selling any insurance to you. A history of reckless driving will be problematic. As will criminal charges, evictions, and job history.
When the time comes to buy insurance and you can't afford a down payment, your only option will be to try to negotiate with the company. They may be willing to let you pay for the coverage after a short time if you are willing to pay for more of it up front at a time. If it won't be possible to pay extra later for the insurance, you may have to wait until you find a company that is more lenient to your specific needs.
Most of the time auto insurance no down payment is hard to come by. But don't be discouraged. The market is tough out there for insurance companies, and they may be more willing than ever to negotiate better deals.
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Finding auto insurance no down payment can be a challenge. We've got the inside scoop now in our 2010 car ins survey guide.
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