topic Re: Insurance score/credit check in General Credit Topics

Insurance score/credit check

guydiver — Sun, 19 Feb 2012 05:00:54 GMT

I just filled out an on-line auto insurance quote from Progressive. They gave me a graph and said my insurance score put me in the 78th percentile, better than 78% of their applicants. No score provided though, but it did say I could get a free report from Experian and they provided the contact information. I don't have a clue what my EX Fico score is. I avoid them whenever possible. I do know I still have a Cap1 CO on there that is almost 7 years since DOFD, and a mortgage 30,60,and 90 day lates the same age. I used another on-line quote that went through LesixNexis, but no score range or CRA given. I'm waiting until March 1 to see if any of those baddies fall off a month early before I apply for anything of any kind.

Re: Insurance score/credit check

GregB — Sun, 19 Feb 2012 14:34:02 GMT

It will be an Insurance Model Score. Range 150-950. Set by National Conference of Insurance Legislators Model Act. Nothing to do with FICO.

Re: Insurance score/credit check

pizzadude — Sun, 19 Feb 2012 15:37:33 GMT

It will be a soft pull, so no impact to your FICO score.

Re: Insurance score/credit check

guydiver — Mon, 20 Feb 2012 02:17:54 GMT

@pizzadude wrote:
It will be a soft pull, so no impact to your FICO score.

Thanks pizza. I was pretty sure of that though. But I did find $450/yr. discount on my auto premium.

Re: Insurance score/credit check

pizzadude — Mon, 20 Feb 2012 14:49:30 GMT

@guydiver wrote:
Thanks pizza. I was pretty sure of that though. But I did find $450/yr. discount on my auto premium.

Nice !! Way to save a bundle on your car insurance !!