Question
Is car insurance a hard or soft credit check?
Is there any insurance companies that don't check for your credit when trying to purchase insurance? I am trying to gain my credit score up but I need insurance and don't won't my score to drop any more
Answer
Insurance companies thankfully run a soft credit check. There are companies that do not use credit as a rating factor (as we discuss in our related article), but they are hard to find. So, if you're worried about car insurance companies pulling your credit negatively impacting you, rest assured they only do a soft pull. Credit takes into account hard inquiries which are things like applying for loans. Most insurance companies use soft inquiries and do not look at a full credit report. You can run these insurance quotes with no damage to your credit.
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