Your credit report doesn't directly affect your auto insurance risk score. If you have a really good credit rating, you could be rated highly, whereas a person who regularly gets behind in their account payments of their accounts and opens and closes accounts on a regular basis could struggle to get a high rating. Insurance ratings mostly move in the same direction as your credit history, but this is not always the case.

You should make sure that you have high financial ratings, before you apply for an auto insurance policy.

Other things that could effect acceptance of your auto insurance policy is your driving record, your previous claims history, and where you live. The state that you live in usually has a required minimum auto coverage and some states will also require that you have personal injury protection. It would be a good idea to check your state's requirements and verify how much the current minimum is, as well as any additional requirements required to place auto insurance.

Obviously if you have been in numerous previous car accidents, the auto insurance company you are applying to for auto insurance will be very interested in the facts.

The focus of the insurance company will always be on losses to themselves.

If you wanted to take a look at your own motor vehicle insurance report, you can access a copy from your state's department, and there are companies you can get your credit history from: i.e.: Truecredit or Experian.

Bodily Injury Liability covers other people's bodily injuries or death for which you are responsible, this means it does not cover you or anyone else who may be in your car, only the person driving the other vehicle. This will protect you against medical bills, loss of income and pain or suffering. If you should require legal defense, you will be covered for that as well. It is possible that a lawsuit be filed against you by another party, and you will want enough auto insurance to cover your expenses without you losing all your personal assets. All this should be stated in your policy.

Complete auto insurance cover for your vehicle is called comprehensive insurance, and that will cover damage to your car if you have an accident, by flood, fire or animals or if your car is stolen. The insurance policy will pay to fix your car, less your excess attached to your policy. The excess is the deductible that you arrange to pay out of your pocket before claiming from the insurance company. In order to keep your premiums affordable, one usually selects as high a deductible as what you can afford.

If you are driving quite an old car you could consider dropping this coverage, as the coverage is usually limited to the value of the car.

Your spouse would usually also be insured if you have named him/her on your policy. You need to confirm this with your insurance company. If you have a boy/girlfriend and s/he uses your car and is involved in an accident, the insurance company may not pay your claim, unless s/he has been added to your auto insurance policy.