Not all insurance carriers check credit when a person purchases auto insurance so you may be able to find one in your area that would not check your parent's credit history for their credit score.

The best thing to do is to shop around for insurance and find a company that does not check or use credit history as a rating factor.

You can get started comparison shopping for auto insurance here with us. In some states Direct General does not use credit for rating. All of our other carriers use it as a rating factor.

The amount that a credit score can affect your rates in some states is governed by the state's insurance regulator. To find out if your state has regulations regarding auto insurance companies using your credit history as part of the rating process contact this state agency.