Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

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

I recently graduated from college and will soon begin car shopping. I am trying to compare car insurance rates using the Zebra. How does The Zebra use my credit to get quotes?

Jun 3, 2019 Gary, IN

Answer
Author profile picture

Ross Martin

Manager, Content Quality

Credentials
  • Licensed Insurance Agent — Property and Casualty

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers…

Thank you for this question.

The Zebra does not do a soft or hard pull of your credit. We use the range of information that you provide in order to give you an estimate. Once you shop with an insurance company (The Zebra does not provide insurance, only comparison quotes), they will pull your credit history via a soft credit inquiry. This usually only occurs after you have finalized a policy — not while you're in the quoting process. Rest assured, getting comparison quotes with multiple companies will not impact your credit score.

For information about how credit can affect your insurance rates, check the information below:

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

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. No phone number required.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

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.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Is there a way to get car insurance quotes without having a car first?

You don't have to physically own or possess a vehicle to get a car insurance quote, but you will at least need a year, make, and model of a vehicle you're interested in purchasing to get a quote.The great thing about The Zebra is that it's easy to compare quotes for any vehicle you m…
Oct 24, 2016 Southfield, MI

Should I get my insurance company involved or pay for the damage myself if I backed into a tree?

Ultimately it will depend on your deductible and the extent of the damage. Unfortunately, backing into a tree will be considered an "at-fault" accident if you file a claim with Amica. Our most recent State of Insurance report shows that at-fault accidents increase rates by about $450/year…
Apr 17, 2017 Anderson, IN

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

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.…
Jul 22, 2022 Atlanta, GA

Can an insurance company force me to be added to a policy?

Thanks for reaching out to The Zebra. It is normal for insurance companies to require anyone in the household (of driving age) to be listed on a policy, "just in case." Even if you don't ever plan on driving their cars, insurers know that things come up and there is always a small ch…
Feb 6, 2023 Denver, CO