It is now a well known fact that your credit rating will absolutely affect what you get as rates. Therefore, it's a good idea to look at what a person with a poor credit rating can do to get cheap insurance rates.
1. First and foremost, get the bare-bones minimum policy and then start working on your credit. If it's a policy that can wait for a few months, let it wait. However, who knows tomorrow. It's certainly better to pay high insurance rates than to be in a situation where you need it but are uninsured.
2. If you're married, you can take out a policy in the name of your spouse provided they have better credit than you do. But we all know that this is rarely the case. And even where this is the case, you can only do this for policies like auto insurance.
3. Look for insurers who weigh your credit rating lightly when computing your insurance rates. Although most insurers will calculate your rates based on your credit history some do not and others weigh is far less than others.
How do you find such insurers? You guessed right: Get and compare quotes from a wide range of insurers. From the quotes returned, you'll see insurers that are sympathetic to your layout than others. Their rates will be far less than others.
While you'll save much this way, you'll still do yourself a world of good if you work on improving your credit rating. These suggestions are NOT alternatives to rebuilding your credit.
But while rebuilding, you can get some reply in insurance by applying the last tip in this article.