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Auto Insurance rates - hard pull?

Valued Contributor

Auto Insurance rates - hard pull?

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 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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12 REPLIES
Valued Contributor

Re: Auto Insurance rates - hard pull?


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): 09/14: TU: 784 | EQ: 752 | EX: 784
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


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Super Contributor

Re: Auto Insurance rates - hard pull?


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
Valued Contributor

Re: Auto Insurance rates - hard pull?

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

 

Thanks MyFICO Smiley Happy



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Super Contributor

Re: Auto Insurance rates - hard pull?


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 Smiley Happy


Wow, very nice !!!   You just saved a bunch on your car insurance !!  Smiley Happy

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Frequent Contributor

Re: Auto Insurance rates - hard pull?


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 Smiley Happy


CONGRATZ!

 

Do they soft pull all 3 CRA's?

FicoTU 780 | Credit Karma 781 | Credit Sesame 780
EQ 673 Dec2011 | Current: 695 Nov2013 | Goal: 720+
UTL: 54% Dec2011 | Current UTL: 21% | Goal UTL: 0% June2014
AmxZync | CapOne 1k | Comenity 1.1k | Target 3k |NFCU Visasig 5k | Goodyear 5.8k | CitiSimplicity 10.2k
Sam'sClub 10k | AmxSpg 20k | Citi HiltonReserve 20k | DCU 20k | Chase RR Visasig 25k | NFCU Visasig 33k
Valued Contributor

Re: Auto Insurance rates - hard pull?


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 Smiley Happy


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 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Super Contributor

Re: Auto Insurance rates - hard pull?


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
Regular Contributor

Re: Auto Insurance rates - hard pull?

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
Valued Contributor

Re: Auto Insurance rates - hard pull?

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 Smiley Happy



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge