Research Writer
Alicia Moreno
Alicia Moreno is a research writer at No Credit Check Auto Insurance. Before writing about insurance she spent six years as a certified consumer-credit counsellor, helping households repair credit and manage debt—work that included explaining, over and over, why a client's car insurance had gone up.
On this site she tracks state laws on credit-based rating, writes the state and alternatives guides, and maintains the glossary.
Alicia is based in Las Vegas, Nevada.
- Based in Las Vegas, Nevada
- Covering auto insurance since 2019
- Focus areas: consumer credit, state insurance regulation, credit repair, consumer protections
- Education: Nevada State University (B.A., Psychology)
Guides
Guide
States That Ban Credit in Auto Insurance
The states where insurers cannot use credit to rate auto insurance—California, Hawaii, Massachusetts—plus Michigan's credit-score ban and the states that restrict it.
Guide
How Much More Auto Insurance Costs With Bad Credit
Typical premium differences between credit tiers, how the effect compares with tickets and accidents, and how it varies by state and insurer.
Guide
Alternatives When Credit Is Raising Your Premium
Options for drivers whose credit is inflating their premium: life-circumstance exceptions, telematics and pay-per-mile, non-standard insurers, coverage changes and timing.
Entries
Entry
What an Insurance Adverse Action Notice Means
If credit raised your auto insurance rate, you receive an adverse action notice. What it says, what rights it gives you and what to do with it.
Entry
Telematics Auto Insurance With Bad Credit: How Driving Tracking Can Lower Your Premium
Learn how telematics and usage-based car insurance substitute driving habits for credit scores, helping drivers with poor or thin credit secure lower premiums.
Entry
Moving to a State That Bans Credit in Auto Insurance: How Your Rate Changes
Discover what happens to your car insurance premium when moving to a state like California, Michigan, or Massachusetts where credit scoring is prohibited by law.
Entry
Michigan Auto Insurance Without Credit Checks: State Rules Explained
Understand Michigan's statutory ban on credit scoring under MCL 500.2111, how auto insurance rates are calculated, and how drivers can save on coverage.