Multiple Car Insurance Policy
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When you are trying to find car insurance and have negative credit, then in most cases this shouldn't alter the car insurance premium that you are charged.
Almost all car insurance companies will only focus on your motoring history, such as should you have any convictions and how many years without a claim etc.
That is the way in which the car insurance companies calculate your personal premium, by determining it on your motoring history.
Your financial record is not of any consequence to them as long as you can make the payments.
The only possible difference might be that the insurer could request that you pay the whole premium all up front as opposed to offering you a month by month prearranged debit alternative.
Keep in mind that the majority of car insurance providers - like property insurers - do searches on your financial report. But, this is purely to hinder fraud which is done frequently for all customers. The check will confirm that you are who you say you are. For example, the insurance provider can look to see that you are reported to be living at the same place that you claimed on your car insurance application form.
These kinds of searches will not influence your credit score down the road.
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