DO AUTO INSURANCE QUOTES AFFECT YOUR CREDIT SCORE?
If I apply for a ton of different automobile quotes will it injured my credit?
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about 2 years ago
The general rule of thumb is that if you don’t provide a Social Security Number there is no way to tie the request directly to you. It’s rare that you will encounter an auto-insurance company that requires an SSN for a quote.
In the case that an auto-insurance company requires an SSN my advice would be to steer clear. There are literally hundreds of auto-insurance companies begging for your business, each of which usually offer free online auto insurance quotes.
Bottom line is, don’t be afraid to be quoted as many times as you’d like. In fact, I suggest being quoted by at least 10 different companies. I took the time to do this and in the end I ended up saving a few hundred dollars per year. Anyway I hope that helps, just search for auto insurance quotes in Google and you will be inundated with free offers Here’s a free quote you can get from my current provider to get you started: http://www.rsrvr.com/auto-insurance-quote/
about 2 years ago
No. They don’t check your credit.
about 2 years ago
If you are just asking for quotes, than it won’t affect your edit at all. If you are actually signing up with all of these companies, then you have a problem.
about 2 years ago
They don’t make reports to your credit, and would only run your credit if you signed up, so no, get as many quotes as you’d like.
about 2 years ago
Actually, contrary to popular belief: SOME insurance companies do check your credit. Not all.
I suggest you be careful prior to giving authorization, and ASK them if they check your credit.
If they do, say “thanks but no thanks”
A whole bunch on inquiries on your Fico score can bring it down.
about 2 years ago
Almost all companies check your credit when getting a quote. It is part of the quoting process. The agent doesn’t see your credit as it is run in the background and is calculated into the rates you are given. I represent multiple companies and only one of the companies does not run credit. When the credit is run for an insurance quote it is not supposed to affect your credit.
If you were to call me and ask for a quote and refused to give me your social security number I would not be able to give you a quote. Some people don’t want their credit used but if you have good credit your rates will be much lower than if you used a company that does not use credit scoring.
In almost all states it is a requirement that we let you know that we will be checking credit and with some states we have to have a signed OK in order to do it.
Also, I never keep any social security numbers on my desk. I have all social security numbers shredded as soon as the quote is completed.