Results 1 to 9 of 9

Thread: Insurance/Credit Check Question

  1. 10-26-2006, 02:27 AM #1
    Specsteve
    Specsteve is offline
    Certified Gearhead
    Join Date
    May 2006
    Age
    39
    Posts
    251
    Rep Power
    20

    Default Insurance/Credit Check Question

    Hey guys,

    I did not really know who to ask on this being as I just moved out on my own this past summer and my parents live in Denver, CO, and I'm just some stupid 20 year old kid .

    My question is, I have been wanting to shop around for insurance, but was not sure if when I do online quotes (progressive, esurance, etc. etc. etc.) whether it will hurt my credit, by having it run to much? I remember hearing some figure of like 6 times in a year is bad, or something to that extent. But my other question is though, is that even what they do? Does it affect your credit at all when they do an online personal quote?

    Also, is there anybody you guys would reccomend for cheaper insurance rates? It sucks being a single, 20 year old male in the insurance world!

    Sorry to sound so un-edumacated, but insurance and credit are two areas I am not strong in! Thanks again!
    Reply With Quote Reply With Quote
  2. 10-26-2006, 02:28 AM #2
    GIXXERDK
    GIXXERDK is offline
    Senior Member
    Join Date
    Aug 2006
    Age
    40
    Posts
    2,055
    Rep Power
    22

    Default

    I doubt it, do they ask for your social security number?
    Reply With Quote Reply With Quote
  3. 10-26-2006, 02:31 AM #3
    PRiMAdonna
    PRiMAdonna is offline
    Senior Member PRiMAdonna's Avatar
    Join Date
    Jun 2006
    Location
    St. Simons Island
    Age
    40
    Posts
    2,337
    Rep Power
    22

    Default

    shopping around for quotes online, you shouldnt have to submit your SSN...
    usually doing a quote online isnt even a set-in-stone quote, it's just a general one.
    but yeah, having your credit checked a lot hurts your credit score.
    Reply With Quote Reply With Quote
  4. 10-26-2006, 02:32 AM #4
    Specsteve
    Specsteve is offline
    Certified Gearhead
    Join Date
    May 2006
    Age
    39
    Posts
    251
    Rep Power
    20

    Default

    Esurance does, I know for a fact.

    I also think progressive does as well, they claim it is so they can "give you the most accurate quote possible blah blah blah" but that is why I got kind of sketched out.
    Reply With Quote Reply With Quote
  5. 10-26-2006, 02:35 AM #5
    Specsteve
    Specsteve is offline
    Certified Gearhead
    Join Date
    May 2006
    Age
    39
    Posts
    251
    Rep Power
    20

    Default

    In fact, I just went to progressive's website, and here is there fine print at the bottom of the application, but so far they have not asked for my social:

    Information Disclosure- To offer you an accurate quote in one of Progressive's underwriting companies, we will collect information from consumer reporting agencies, such as driving record, claims, and credit history reports. Future reports may be used to update or renew your insurance. Please review our Privacy Policy.

    What the fuck does that mean?! That is so vague to me!
    Reply With Quote Reply With Quote
  6. 10-26-2006, 02:38 AM #6
    PRiMAdonna
    PRiMAdonna is offline
    Senior Member PRiMAdonna's Avatar
    Join Date
    Jun 2006
    Location
    St. Simons Island
    Age
    40
    Posts
    2,337
    Rep Power
    22

    Default

    what i have found, is that smaller, more local privately-owned insurance companies usually offer you the best rates as opposed to geico, progressive, state farm etc...

    look in your local yellow pages under insurance companies, and call around to some local ones tomorrow. they will be able to give you a pretty accurate quote just by asking your DOB, how many, if any, tickets you have, what year/make/model your car is, if you're in school, etc.
    Reply With Quote Reply With Quote
  7. 10-26-2006, 02:39 AM #7
    GIXXERDK
    GIXXERDK is offline
    Senior Member
    Join Date
    Aug 2006
    Age
    40
    Posts
    2,055
    Rep Power
    22

    Default

    Dude if your really that worried, just CALL and give them your DL number and go from there.

    You can also check your credit reports for FREE online
    Reply With Quote Reply With Quote
  8. 10-26-2006, 02:44 AM #8
    Specsteve
    Specsteve is offline
    Certified Gearhead
    Join Date
    May 2006
    Age
    39
    Posts
    251
    Rep Power
    20

    Default

    Oh okay, thanks for the input guys. Sounds like tom. I will be making some calls!

    Thanks again!
    Reply With Quote Reply With Quote
  9. 10-26-2006, 02:52 AM #9
    Crazy Asian
    Crazy Asian is offline
    Genny Crazy Asian's Avatar
    Join Date
    Oct 2005
    Age
    39
    Posts
    19,637
    Rep Power
    44

    Default

    Wow something intellectual for a change. No "I got pulled over being a dumbass and all cops should die in hell."
    Reply With Quote Reply With Quote
« got stopped by cops | LNC FTL »

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  

Forum Rules

About us
ImportAtlanta is a community of gearheads and car enthusiasts. It does not matter what kind of car or bike you drive, IA is an open community for any gearhead. Whether you're looking for advice on a performance build or posting your wheels for sale, you're welcome here!
Announcement
Welcome back to ImportAtlanta. We are currently undergoing many changes, so please report any issues you encounter with the site using the 'Contact Us' button below. Thank you!