Does Auto Insurance Affect Credit Score? 
While most if not all auto insurance providers include a credit review as part of their pricing matrix , the type of review is one that does not affect your credit score . In the industry these are referred to as `` soft '' inquiries as my colleague explained earlier . Keep in mind tot that credit is one of many factors that eventualy result in the premium that you are asked to pay . Your driving record , accident history , age , driving habits , year make and model of your car , even location are all among the numerous elements that a company reviews in order to determine the proper premium for the risk they are being asked to insure . 