Do all states now allow auto insurance companies to check your credit?

Do all states now allow auto insurance companies to check your credit?

A few years ago when I lived in Oregon Auto insurers could (and did) check your credit but Washington law didn'-t allow it- you could get car insurance without giving out your social security number. I am in Nebraska and need to know- do I have to give out my SSN to insurers?

clinton

I know u don't in IL and GA, but not sure about Nebraska. You need to check with you local secretary of State

gaewsky1

I believe all companies can if they want to. It isn't regulated by the state. Ask the company if they run credit. All companies will ask for your SSN but not all run credit. The SSN is use to pull a CLUE report which all insurance companies use to report claims that they pay out on.Source(s):Insurance agent

Insuranc

There is no ONE insurance company that is right for everyone - everyone is rated individually - and all companies have different "likes and dis-likes", different credit tiers, different business models, and many other factors that can vary your rate - and a QUOTE is ONLY a quote until the policy is issued.Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement. A lot of these reports might get a BETTER finding with your SSN BUT we CAN get this info WITHOUT your SSN.The best thing to do is call a LOCAL independent agent or broker. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!Good luck, drive RESPONSIBLY and I hope this helps!Source(s):Independent insurance agent for 27+ years

Ask

insurance

Popular Q&A

I really need help please?
OK, first of all, Progressive can't help it if you're moving around so much. They WILL give you the credit, if you eventually get that paper to them. If you have access to a fax machine, they can fax to you, usually the same HOUR that you call them, they're very good about that.Every time...

What company provides the CHEAPEST auto insurance?
There is no ONE insurance company that is right for everyone - everyone is rated individually - and all companies have different "likes and dis-likes", different credit tiers, different business models, and many other factors that can vary your rate - and a QUOTE is ONLY a quote until the policy...

Which canadian car insurance company has the better payout system?
No matter where you are driving in Canada, the law requires that every driver has car insurance. This is mandatory in all provinces and territories. Your vehicle must be covered under an insurance policy with a minimum set coverage, If you are caught driving without it you can be fined, have...

Do I need auto insurance before purchasing a used car?
Either you purchase used or new, every car needs insurance coverage. When you will purchase a car dealer will help you to buy insurance for your car or you can search online foe better insurance quote and compare them for best plus cheap.Source(s):http://www.autoquotenow.com/

Who are good insurers with reasonable rates for people of average, good credit? And what rates can we expect?
I have my insurance with Unitrin Direct and it is so dirt cheap! Check to see if Unitrin offers insurance in the state in which your sister lives. I have an 03 Cavalier and I have liability limits of 50/100/50 along with Comprehensive deductible of $100 and Collision of $500 for an annual...