How Insurable Are You?

The Basics
What Your State Requires
Common Questions
Key Terms
Getting Auto Insurance

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Take this test and find out!
You might hear that some of your friends or family were turned down for insurance - or that their premium suddenly went way up. Chances are, they either have a credit problem or some claims (like they got in an accident and had a claim for damages).

Insurance companies want to keep rates low so they try to insure people who won't have a lot of claims.

Did you know?
One of the biggest factors in whether your insurance will be cancelled or your premium will be raised (or whether you'll be able to get insurance at all) is your credit rating. People who have bad credit tend to have more claims.

So, if you want to find out how much of a risk an insurance company will see you as, take this quick quiz.

Have you received any moving violations (for example, speeding tickets or running a red light) in the past 3 years?
	No
	One
	Two
	Three or more
Have you been in any car accidents in the past 3 years which were your fault?
	No
	One
	More than one
Have you been in any car accidents in the past 3 years which were NOT your fault?
	No
	One
	More than one
Do you have any insurance other than auto (such as renters, homeowners or life insurance)?
	Yes
	No
Are you married?
	Yes
	No
How long have you held your current job?
	More than 5 years
	2-5 years
	Less than 2 years or not currently working
Do you (and your family) own more than 1 car?
	Yes
	No
Do you own a home?
	Yes
	No
Do you ever pay your rent or mortgage more than 30 days late?
	Never
	Sometimes
	Often
Do you ever pay other bills (for example credit card bills) more than 60 days late?
	Never
	Sometimes
	Often
Have you ever had an insurance policy cancelled or non-renewed?
	Yes
	No
Have you ever been convicted of drunk driving, reckless driving, or driving without insurance?
	Yes
	No
Have you received more than one ticket for a major safety violation (like excessive speeding or running a red light) in the last five years?
	Yes
	No