10.) Surprise! (Part I) - Not knowing that your CREDIT score may be used as a ratings factor for car insurance quotes.

In most states (except California), car insurance companies may use your credit score as one of the ratings factors in determining the instant car insurance quote you receive and your policy premiums. Buying a house soon? Don't shop for car insurance until after you have closed the deal.

Yes, you can get generic a free online quote without having your credit checked. No, your social security number is not required for a credit check though. Those auto insurance companies that use credit scoring as one of the ratings factors are required to tell you BEFORE they check your credit and present you with an insurance quote. The positive: If you have a good-great credit score, you should receive favorable insurance quote rates. The negative: If you have no or bad credit, your instant car insurance free online quote may range from slightly to significantly higher.

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