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Mathew Said:

Does getting insurance quotes ruin your credit score?

We Answered:

No, it won't.
You are not seeking any kind of credit, mortgage or auto loan.
So now you can breathe easier.

http://www.myfico.com/CreditEducation/Cr…
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http://banking.about.com/od/loans/a/insu…

Jeanne Said:

Is it better to get a car fixed through insurance or out of your own pocket?Can Insurance raise the premium if

We Answered:

It really just depends on the cost.

If it's a low cost repair and especially if it is below any deductible on your policy, you might as well just go ahead and fix it yourself.

Your deductible is the amount you would have to pay out of pocket anyway if you file claim.

Good Luck
General Insurance Agent

Emma Said:

Legally can the auto Insurance company raise the premium if?

We Answered:

An insurance policy is a contract. So, if by the terms of the contract, they can raise your rates for such an occurrence, then yes, it is legal. Contractual terms are only void when against public policy or illegal by statute.

It would not be illegal at all to just pay out of pocket, if you choose to do so, for whatever reason, and not tell the insurance company about the accident. If they don't find out about it, there's no record, and there's no reason to raise your rates.

Regina Said:

I'm about to shop for auto insurance, but I'm afraid it could hurt me?

We Answered:

Shopping for auto-insurance will definitely NOT hurt your credit score. Be wary of insurance agents that ask for your SSN during the quote process, in this case they will be doing a credit report, which WILL hurt you.

99% of the time auto-insurance providers won't ask for SSN so you are in the clear. I'd suggest going through multiple online quotes to see who provides the best deal, that way you can also confirm that no SSN is being requested. If one asks, just move on, there are hundreds of companies offering free online quotes. To get you started here's a free quote that you can get with my current provider: http://www.rsrvr.com/auto-insurance-quote/