 TITLE: Why Do Auto Insurance Companies Consider Your Credit? CONTENT: Insurance Inquiries Do Not Hurt Your Credit Score\n-------------------------------------------------\nWhen an insurance company checks your credit, a record of the credit check will be added to your credit file. You'll see this credit inquiry if you review a copy of your credit report, but because it's a soft inquiry, it won't impact your credit scores. In contrast, hard inquiries, the type that can come from applying for a new loan or credit card, can slightly hurt your credit scores temporarily.\nBecause applying for auto insurance doesn't impact your credit, you don't need to worry about rate shopping and submitting multiple insurance applications. You may even want to get quotes for a new policy every six months to a year to ensure you've still got the best deal. END