Car insurance companies like to know that you’re reliable, and a credit check is a simple way to do this. However, finding the best insurance prices doesn’t require you to take a credit hit.
When you apply for an insurance quote either directly or through a comparison site like “Young Car Driver”, insurance providers will carry out a “soft check.” Don’t worry; this is simply to check your details and won’t affect your credit score.
Providers will only do a “hard search” (credit check) if you want to pay for your car insurance monthly.