A bad credit report can make it difficult and expensive to get insurance but not impossible. Insurance companies find that most with a bad credit report are more likely to have claim and thus the premiums may be 20 to 50 percent more than those with excellent credit histories.

North Carolina's department of insurance has setup a company to make sure that all North Carolina residents can get insurance. The rates are higher than standard car insurance companies' rate

Have you sister contact the car insurance professionals for a quote to see if we can help get her the insurance she needs.