The answer is yes. This has been the dilemma of people who receive emails coming from insurance companies who send newsletters, offers, or prices of policies. Some call this move a soft pull on their credit reports but somehow this approach stirs the public as their credit scores get pulled out for the reason of being offered premiums.
Anyone would want their lives to be kept private; but in this case, things are getting into view. Car insurance quotes are offered not only to people who have good credit standings—but even to the most delinquent payer! Nevertheless, higher premium quotes are availed rather than discounted ones.
But on a second thought, this randomly gives future policy holders a chance of acquiring an insurance policy. Even if it amounts to almost double the regular amount offered, vehicles can be insured and a claim can be made. But there are companies who may offer some perks to make their clients satisfied.
There are people, on the other hand, who would inquire regarding premiums. Car insurance quotes that are asked either online or offline is what you call a hard pull. This is a voluntary risk customers take on their credit scores. This is the opposite of the soft pull credit inquiry done by insurance companies.
Missing just a few payments may happen to anybody who works on a blue collar job but this does not exclude you to obtain insurance for your vehicle just the same. Failing to abide with an insurance policy guideline which requires you to pay monthly or whatever mode of payment you may have chosen may result to loss of claim or the worst that could happen is— losing your policy!
Moreover, insurance companies would also look into your accident history as a point where they can gauge your performance as a policy holder. As they say, being prompt on your payments is tantamount to being responsible on the road. Car insurance quotes can surely give way towards proper decision-making.