topic Re: Auto Insurance rates - hard pull? in General Credit Topics

Auto Insurance rates - hard pull?

Duncanrr — Mon, 16 Jul 2012 15:20:39 GMT

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?

Re: Auto Insurance rates - hard pull?

rckstrscott — Mon, 16 Jul 2012 15:24:21 GMT

@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

Re: Auto Insurance rates - hard pull?

pizzadude — Mon, 16 Jul 2012 15:33:54 GMT

@rckstrscott wrote:

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

-scott

+1. Insurance pulls are soft.

Re: Auto Insurance rates - hard pull?

Duncanrr — Mon, 16 Jul 2012 16:04:19 GMT

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

Thanks MyFICO

Re: Auto Insurance rates - hard pull?

pizzadude — Mon, 16 Jul 2012 16:12:27 GMT

@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

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

Re: Auto Insurance rates - hard pull?

Anonymous — Tue, 17 Jul 2012 04:49:37 GMT

@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

CONGRATZ!

Do they soft pull all 3 CRA's?

Re: Auto Insurance rates - hard pull?

Duncanrr — Tue, 17 Jul 2012 13:34:58 GMT

@Anonymous 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
CONGRATZ!

Do they soft pull all 3 CRA's?

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

Re: Auto Insurance rates - hard pull?

pizzadude — Tue, 17 Jul 2012 14:14:00 GMT

@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.

Re: Auto Insurance rates - hard pull?

Anonymous — Tue, 17 Jul 2012 14:48:30 GMT

Congrats! What was the reason for lowering your premium?

Re: Auto Insurance rates - hard pull?

Duncanrr — Tue, 17 Jul 2012 15:07:59 GMT

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

Re: Auto Insurance rates - hard pull?

Anonymous — Tue, 17 Jul 2012 15:45:03 GMT

I have been with them for one year. After first 6 mos they increased my premium by $50 and after one year increased by another $80. They are keep saying that Florida has lots of insurance fraud and it is the reason they increase the premiums!!!

Re: Auto Insurance rates - hard pull?

Duncanrr — Tue, 17 Jul 2012 15:47:10 GMT

Areas that have been impacted by the slow down in economy tend to have more insurance fraud than other areas. My state and city are at bottom of list so really can't get too much worse for me from that perspective.

Re: Auto Insurance rates - hard pull?

Anonymous — Thu, 19 Jul 2012 19:47:30 GMT

@pizzadude wrote:
@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.

Thanks!