Summons No Car Insurance
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If you are trying to find motor insurance and have bad credit, then in most cases this would not have an effect the car insurance payment that they charge you.
Almost all motor insurance providers are only interested in your driving record, such as whether you have any motoring convictions and the number of years without a claim etc.
That is the basis on which the car insurance companies figure out your individual premium, by examining your driving record.
Your credit past is not of any consequence to them provided that you can make the payments.
The one potential difference it could mean is that the provider might require you to shell out the total all up front rather than presenting you with a monthly direct deduction opportunity.
You should be aware that most car insurance providers - similar to home insurers - initiate inquires on your credit file. However, this is entirely for preventing fraud which they do frequently for all applicants. The search will prove who you are. For instance, the insurance provider can find out that you are reported to be living at the same residence that you claimed on your car insurance form.
Credit checks such as these will not have an impact your credit rating at any time.
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