Does Auto Insurance Need Social Security Number? 
One of the biggest factors in determining your auto insurance rate is your credit history . Insurance companies will do a `` soft pull '' on your credit , meaning they will get some of your basic information , but you wo n't be penalized on your credit score for applying . The reason your social security number , and your credit history , is used by the insurance companies is because if you are careful with your credit and paying of your bills , you are deemed to be more responsible , and therefore are probably a better driver . 