Eligibility

What does an insurability score of 813 mean?

We have an article that breaks down the insurance score here. In short, a high insurability score means insurance companies should be very competitive in rates and you are an ideal — or "preferred" — customer.

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General Insurance

Do insurance companies run a soft or hard credit check?

Insurance companies run a soft credit check when they run your credit. We can quote you with several carriers at The Zebra.

General Insurance

Does The Zebra use a hard or soft credit pull to compare insurance quotes?

Thank you for this question. The Zebra does not do a soft or hard pull of your credit.

General Insurance
Insurance Companies

Will my FICO points drop when I get a quote for car insurance?

Fortunately, most insurance companies use only use "soft inquiries" and do not look at a full credit report. There is a statistical correlation between your credit score and how likely you are to file a claim.

Car Insurance Costs

Getting a new insurance quote affect current rate and credit score

Your current insurance company will definitely not be contacted. The only time your company would be contacted is when you call to cancel your policy.

Car Insurance Costs

What do I put in a quote if I don't have a credit history

Not having a credit history doesn't mean you have bad credit but it will take time to build credit. I suggest speaking directly with an agent and see what they suggest as it could be company specific.

Eligibility
General Insurance

Insurance without a credit history

Considering your age, your best bet for finding a company without a credit score is to speak directly with an agent or customer service rep. Like your driving record, your credit score can tell an insurance company a lot about you - including what kind of car insurance client you will be to them.

General Insurance

Is car insurance a hard or soft credit check?

Soft credit check. There are companies that do not use credit as a rating factor.

General Insurance

Can freezing your credit score affect your car insurance premium?

It's unlikely the freezing of your credit caused your premium to change - as freezing it doesn't affect your score and that's the only way your premium would adjust. Premiums, as a whole, have increased in 2018.

General Insurance

Are there car insurance companies that don't use credit?

Outside of the states of California, Hawaii, and Massachusetts, which do not allow credit to be used in insurance pricing, most companies will use credit to determine your rate. You might consider speaking with a local agent in your area about where you can find a company that doesn't use credit, but it may be difficult or even impossible to find a provider in your area.

General Insurance

Why does your fico score impact your insurance rate?

A credit score is a section of the overall "insurance score" that partially determines your insurance premium. The reason credit is used to determine rates in most states is due to the correlation between a driver's score and their likelihood to file a claim.
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