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Auto Insurance rates - hard pull?

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Duncanrr
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 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 1 of 13
12 REPLIES 12
rckstrscott
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: October 2010: TU 498 | EQ: 502
Current FICO Scores:: May 2022: TU: 784 | EQ: 770 | EX: 790
Message 2 of 13
pizzadude
Credit Mentor

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
Message 3 of 13
Duncanrr
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 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 4 of 13
pizzadude
Credit Mentor

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
Message 5 of 13
tubesock
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
Message 6 of 13
Duncanrr
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 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 7 of 13
pizzadude
Credit Mentor

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
Message 8 of 13
Anonymous
Not applicable

Re: Auto Insurance rates - hard pull?

Congrats! What was the reason for lowering your premium?

Message 9 of 13
Duncanrr
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 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 10 of 13
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