I’m about to shop for auto insurance, but I’m afraid it could hurt me?

his love: I’m about to shop for auto insurance, but I’m afraid it could hurt me?
I know that too many inquiries will look bad on a credit report. The guy at my current insurance office said inquiries for auto insurance aren’t the same as others and dont bring my credit score down. Im not sure if he’s lying or not. The last time I checked my report, I had 2 inquiries on it from when they looked for the best rate for me last time in Sept. He also said they could “shop for me (for the best rate) at agencies that dont go off of credit scores”. Why are there some agencies that use my credit score and some that don’t- whats the difference? Does it affect my score/ look bad in general to have sevral inquiries from auto insurance agencies?

Answers and Views:

Answer by oklatom
Does going to three grocery stores to check the per pound price for apples affect your credit rating? Neither does shopping for insurance rates. Although insurance companies will look at your credit rating as one of the tools they use to set rates, they don’t report to the credit bureaus everyone who asks for a rate quote.

Answer by blb
It will not affect your credit. There are a few companies out there that do not use credit as a pricing tool. If you have good credit those companies will be much higher.

Answer by Ken R
Shopping for auto-insurance will definitely NOT hurt your credit score. Be wary of insurance agents that ask for your SSN during the quote process, in this case they will be doing a credit report, which WILL hurt you.

99% of the time auto-insurance providers won’t ask for SSN so you are in the clear. I’d suggest going through multiple online quotes to see who provides the best deal, that way you can also confirm that no SSN is being requested. If one asks, just move on, there are hundreds of companies offering free online quotes. To get you started here’s a free quote that you can get with my current provider: https://www.rsrvr.com/auto-insurance-quote/

Answer by John H
Get some quotes at they have many top rated companies competing for your business. Best of all they don’t require a credit check for quotes. I hope this helps.