What is an insurance credit score?

This is the most widely misunderstood wording of all. I get asked a lot, do you have to pull my credit?


Your insurance credit score is based on:

  • Length of time with prior carrier

  • Any gaps in coverage

  • Claims

  • Your auto and home coverage exciting coverage terms.

  • Pay your insurance bills on time.


Does an insurance company look at your credit rating, only as a soft hit. Never a hard inquiry.

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