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Valued Contributor
Duncanrr
Posts: 2,496
Registered: ‎06-08-2012

Auto Insurance rates - hard pull?

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‎07-16-2012 08:20 AM

I want to contact my auto insurance and see if I can get a better rate from them (Progressive).  Will they do a hard pull for this request?



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750
Take the FICO Fitness Challenge
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rckstrscott
Posts: 2,244
Registered: ‎04-25-2011

Re: Auto Insurance rates - hard pull?

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‎07-16-2012 08:24 AM

Duncanrr wrote:

I want to contact my auto insurance and see if I can get a better rate from them (Progressive).  Will they do a hard pull for this request?


All my recent insurance stuff (new auto, homeowners insurance) were all soft pulls

 

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession
Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
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pizzadude
Posts: 6,216
Registered: ‎01-28-2010

Re: Auto Insurance rates - hard pull?

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‎07-16-2012 08:33 AM

rckstrscott wrote:


All my recent insurance stuff (new auto, homeowners insurance) were all soft pulls

 

 

-scott

+1.   Insurance pulls are soft.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
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Duncanrr
Posts: 2,496
Registered: ‎06-08-2012

Re: Auto Insurance rates - hard pull?

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‎07-16-2012 09:04 AM

It was a soft pull.  I went from $168.83/month to $121.50/month!  28% discount!!! 47.33 less per month!

 

Thanks MyFICO :smileyhappy:



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750
Take the FICO Fitness Challenge
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pizzadude
Posts: 6,216
Registered: ‎01-28-2010

Re: Auto Insurance rates - hard pull?

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‎07-16-2012 09:12 AM

Duncanrr wrote:

It was a soft pull.  I went from $168.83/month to $121.50/month!  28% discount!!! 47.33 less per month!

 

Thanks MyFICO :smileyhappy:

Wow, very nice !!!   You just saved a bunch on your car insurance !!  :smileyhappy:

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
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Frequent Contributor
tubesock
Posts: 423
Registered: ‎09-12-2009

Re: Auto Insurance rates - hard pull?

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‎07-16-2012 09:49 PM

Duncanrr wrote:

It was a soft pull.  I went from $168.83/month to $121.50/month!  28% discount!!! 47.33 less per month!

 

Thanks MyFICO :smileyhappy:

CONGRATZ!

 

Do they soft pull all 3 CRA's?

FicoTU 740 | Credit Karma 777 | Credit Sesame 758
EQ 673 Dec2011 | Current: 687 Aug2012 | Goal: 720+
UTL: 54% Dec2011 | Current UTL: 21% | Goal UTL: 0% June2013
AmxZync | CapOne 1k | WFNNB 1.1k | Target 3k | Goodyear 5.8k | CitiSimplicity 8.2k
AmxBCP 9k | Sam'sClub 9.5k | CitiDiamondPref 10k | DCU 20k | NFCU Visa Sig 33k
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Valued Contributor
Duncanrr
Posts: 2,496
Registered: ‎06-08-2012

Re: Auto Insurance rates - hard pull?

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‎07-17-2012 06:34 AM

tubesock wrote:
Duncanrr wrote:

It was a soft pull.  I went from $168.83/month to $121.50/month!  28% discount!!! 47.33 less per month!

 

Thanks MyFICO :smileyhappy:

CONGRATZ!

 

Do they soft pull all 3 CRA's?

Not sure.  All I know it wasnt a hardpull on all three.  I use Progressive.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750
Take the FICO Fitness Challenge
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pizzadude
Posts: 6,216
Registered: ‎01-28-2010

Re: Auto Insurance rates - hard pull?

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‎07-17-2012 07:14 AM

Duncanrr wrote:

 

Not sure.  All I know it wasnt a hardpull on all three.  I use Progressive.

Progressive has previously pulled Experian only for me.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
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Regular Contributor
BCF
Posts: 120
Registered: ‎05-27-2012

Re: Auto Insurance rates - hard pull?

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‎07-17-2012 07:48 AM

Congrats! What was the reason for lowering your premium?

Wallet: AMEX Blue Cash Preferred 5k; BofA Visa CashRewards 5k; BofA 1-2-3 MasterCard 4.4k; Citi TY Premier 2.5k; AMEX HHonors 3.5k, Chase Marriott 5k, Barclays US Airways 2.5k, Kohl's 300
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Valued Contributor
Duncanrr
Posts: 2,496
Registered: ‎06-08-2012

Re: Auto Insurance rates - hard pull?

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‎07-17-2012 08:07 AM

I made 1 year of coverage with Progressive (10% discount) and lower credit score (18%).  The 10% I was told so by simple math, that leaves 18% for the better credit report :smileyhappy:



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750
Take the FICO Fitness Challenge
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