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?

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

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

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

Can you find an insurance company with just the auto policy number?
I am a TX insurance agent and the numbers you list do NOT look familiar......WHERE do you live? That might help narrow it down some - all of the companies are closed until Monday (for some) and Wednesday (for most.)Get back to me and maybe I can run some traps for you.Another option would be...

What is the cheapest auto insurance for teens?
No company is the cheapest for everyone in any group - you gotta go out there and get quotes. Liberty Mutual was more coverage at 1/2 the price of any other company I tried. They also offer Affinity group discounts (there are thousands of credit unions, schools, employers, civic organizations...

What are some discounts that many auto insurance companies offer that might help save some money?
Depends on the company and the state that you live in. Auto insurance is regulated by each state so it can differ from state to state.Some companies might offer:-Good student discount (if you have a B or better average, so 3.0 or higher)-Driver Training discount (if you got your drivers license...

What is the best insurance company to get auto and home through in Ohio?
We had Allstate for several years and when we purchased our new home and car, we decided to compare rates. Allstate was the highest. Nationwide was okay, but they required a membership to the Farm Bureau to get their rates??!!?? We went with State Farm. We got more coverage for less money than...

Why do we need auto insurance to drive? In many Asian countries its not legally required?
Auto insurance is rather controversial. Some states will fine, take licenses and plates and even seize cars if you do not have it. As you say, in many asian countries (and even New Hampshire) it is not required. Several religions ban the purchase of insurance (Mennonites and Muslims ban the...