Why Accurate Auto Insurance Doesn’t Care About Your Credit Score—And Never Will

Life Happens, We Don’t Judge

We get it. Times are tough.
Maybe you’re behind on credit card bills.
Maybe the hospital sent another collection notice.
Maybe you’re just choosing between groceries for your kids and paying that loan.

Other insurance companies don’t care.

They’ll slap you with higher rates—or flat-out deny you—because your credit isn’t perfect.

At Accurate Auto Insurance, we don’t believe in punishing people for struggling. We believe in giving you a break. That’s why we never check your credit score. Ever.

Why Credit Checks Don’t Belong in Car Insurance

Think about it: does being late on a bill really mean you’re a bad driver? Of course not. But that’s how big insurance companies work.

They use your credit report to raise your prices—sometimes by hundreds of dollars a month.

For hardworking people already living tight, that’s just cruel.

At Accurate, we flipped the script. Your credit isn’t our business. Getting you legal, covered, and safe on the road—for less money is.

Our Promise to You

When you come to Accurate Auto Insurance, here’s what you’ll never hear:

• “Sorry, your credit is too low.”
• “We’ll need to run your credit before we give you a price.”
• “That’ll be $250/month because of your credit score score.”

Instead, you’ll hear:

• “We’ve got a policy for you and I think you’ll love the monthly price.”
• “No credit check needed, so don’t even bother bringing in your SSN.”
• “Rates starting at just $19/month for qualified drivers- could this be you- let’s take a look.”

Because the truth is, most of our customers aren’t rolling in extra cash. They’re stretched-thin parents, hardworking small business owners, exhausted delivery/ rideshare drivers, and workers who just need affordable insurance so they can keep moving through the day-to-day.

Stories From Our Community

• “I couldn’t afford what State Farm wanted to charge me—$240 a month. Accurate got me legal for $59. No credit check, no stress.” – Miguel, Joliet
• “As a single mom, my bills stack up fast. Accurate was the only company that didn’t judge me for falling behind.” – Lisa, Cicero

We hear these stories every single day. And it’s why we do what we do.

Final Word

If you’ve ever felt like your credit score was holding you hostage, know this: Accurate Auto Insurance will never use it against you.

Call us at 708-599-4900 and see how affordable your auto insurance could be. Because you shouldn’t have to choose between feeding your family and driving legal.