Will Obtaining Insruance Quotes Affect your Credit Score?
Anyone that has recently shopped around for home or auto or home insurance quotes may realize that most insurance companies will now check your credit score along with your driving record and other insurance history. In turn, the better your credit score the more likely you will be offered a more affordable rate quote. Therefore the question has been asked: although your credit score may affect your insurance rate, will shopping for insurance quotes affect your credit score?
The short answer is “no”. Shopping for multiple insurance quotes will not affect your credit score. When it comes to credit checks, we must differentiate between two types of inquiries: “hard pulls” and “soft pulls.” A hard pull refers to credit inquiries for actually acquiring credit, such as from a credit card company or a lender. A soft pull is an inquiry that will review your credit score only, will not lower your score and often is not even recorded on your credit report. Insurance companies generally do not look at your actual credit report. Instead, it receives your credit score or your insurance score from one or more of the three major national credit repositories — Equifax, Experian and TransUnion. “An insurance score is going to be less concerned with your propensity to take on new credit and more interested in how long you’ve been managing credit,” says Craig Watts, a FICO spokesman. “Insurance scores focus on issues of stability.” Therefore, this is what most insurance companies will focus on.
The bottom line on this issue is as follows: Insurance companies and agents that see a potential client with a high credit score will consider you a low-risk client, someone who promptly pays their bills on time and is responsible. They will then be able to offer you more affordable insurance quotes. The best thing you can do if you have good or bad credit is to shop around for insurance quotes and narrow your choice down by the reputation of the insurance company (and staff) and premium and coverage quoted. As a starting point please visit Staten Island Insurance for a free insurance quote.
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