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if i am shopping for an auto insurance quote that will NOT effect my credit (score) in any way right?
Actually yes it will.
Insurance companies are now basing their rates partially based on peoples credit so they will have to pull your credit report which will mean a inquiry which will ding your score a couple of points.
Not fair but that’s the way it is now a days.
Actually yes it will.
Insurance companies are now basing their rates partially based on peoples credit so they will have to pull your credit report which will mean a inquiry which will ding your score a couple of points.
Not fair but that’s the way it is now a days.
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Finance Manager for over 9-years / Good friend in the insurance business.
It depends on what state your in. In CA credit scores are not used for insurance.
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Insurance Agent in CA
Yes insurance companies rates are based on your credit, but applying for insurance quote is not an application for credit and hence the credit score is not affected. This is considered a soft inquiry.
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Soft inquiry won’t even show up under the inquires part of you credit report.
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Most insurance companies will run your credit to be able to give you a quote. This is a soft hit and will not affect your credit score.
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Insurance Agent
Correct. Auto insurance scoring is a "soft" hit, not a "hard" hit, and will not be counted against your score.
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Actually Spifiman is correct, I work for a insurance company and when we do credit checks they are a hard pull sorry.
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Insurance agent for 4-years.
autoinsurance.noneto.com – try this one. I have their car insurance and, as I know, they can provide such a service.
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No, getting auto insurance quotes won’t affect your credit score, try this site
http://quoteinsurance.notlong.com
here you can get quotes from different companies in your area.
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Your credit score will not be altered by an insurance company as most do not report to credit agencies, but if you are looking to get insurance your current credit score can effect you.
Your credit history can also affect your insurance premiums. Some insurance companies only use your credit rating to help set car insurance premiums. Other companies may deny you insurance altogether if your credit rating is very bad.
The site Free Insurance Advice does a great job explaining this at http://www.freeinsuranceadvice.com/credit-scores-can-affect-your-insurance-rates and can also direct you to great rates
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http://www.freeinsuranceadvice.com
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