Question
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?
Answer
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
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.
Insurance is complicated, but it doesn't have to be.
The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.
Step 1: Tell us a little about yourself
Choose an insurance product and enter your zip code to get started.
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Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.
Step 4: Let our agents do the hard work for you
Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.
