Do I need to unfreeze my credit to get a quote?

I usually keep my credit frozen for security and peace of mind, but I'd like to compare rates and get quotes on insurance. Do I need to unfreeze my credit to get accurate quotes?  

You can compare preliminary car insurance quotes with frozen credit, but some insurers require you to unfreeze it before finalizing your rates

You should be able to get preliminary rates with your credit still frozen. However, in order to run all of the reports (credit, claims history, violation history, etc.) and finalize your auto insurance rates, many carriers will require a credit check which would require you to unfreeze your credit. Without the ability to check your credit score, insurance companies may assume higher risk and charge increased premiums.

If you want, you can use The Zebra to get auto quotes from multiple carriers today with your credit still frozen, but again you'll likely need to unfreeze your credit in order to finalize those rates. Luckily, it's easy to do online, over the phone or by mail.