Simple Carinsurance
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Should you be attempting to get car insurance and have negative credit, then in most circumstances this shouldn't influence the motor insurance payment that you will be charged.
Almost all motor insurers will only focus on your motoring history, for example, should you have some driving convictions and how many years without a claim etc.
That is the way in which the motor insurance companies come to your personal premium, by basing it on your driving record.
Your financial record is not of any significance to them on condition that you can meet the monthly payment.
The one potential difference could be that the provider might ask you to give the premium beforehand rather than allowing you a month by month automatic deduction choice.
You should be aware that almost all motor insurers - much like house insurers - run checks on your financial report. But, this is exclusively to hinder fraud and they will do this on a routine basis for all applicants. The search will authenticate that you are who you say you are. For instance, the insurance provider can check that you are reported to be residing at the same address that you filed on your car insurance form.
Credit checks such as these will not have an impact your credit score at any time.
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