Bad credit shouldn’t affect car insurance, experts say. States are listening.
Pedro Montenegro has an immaculate driving record.
But even though Montenegro said he has never been in a car accident, nor been issued a ticket for a moving violation, he has never in his adult life qualified for affordable car insurance. That’s something that Montenegro, 30, who earns a “good living” as a public relations staffer in Washington, D.C., says is inextricably tied to his poor credit score, which is in the low 500s.