I know people are protective of their credit scores, and rightfully so.

A common fear is that shopping for insurance will drag your score down with “hard inquiries.” I am happy to report that this is a myth.

The Soft Check

When we generate a quote for you, we perform what is called a “soft check.” We aren’t digging into your credit history to offer you a loan; we are looking at your insurance score and general background .

This soft hit is visible to you if you look deep into your report, but it does not affect your credit score points at all. We never even see your credit score number on our screens.

We are looking for claims history, not your credit card utilization. So, feel free to shop around and get quotes. It won’t cost you a single point on your credit report.