It doesn't have to be that way. If you meet certain guidelines you may be able to file an appeal with your auto insurance company to underwrite your policy without the basis of using your credit. In 2011, the Nevada Legislature passed the omnibus bill, Assembly Bill 74 (AB 74) this bill required insurers to provide reasonable exceptions to a policyholder's credit.
The life changing events that may qualify for this exception includes:
1. A catastrophic event, as declared by the federal or state government.
2. A serious illness or injury to you or to an immediate family member.
3. The death of a spouse, child or parent.
4. Divorce or involuntary interruption of legally owed alimony or support payments.
5. Identity theft.
6. Temporary loss of employment for a period of 3 months or more, if it results from involuntary termination.
7. Military deployment overseas.
If you have experienced one of these seven life changing events contact your local insurance agent to file an appeal with your auto insurance carrier.