Thank you for your quote request. Unfortunately, we are not yet licensed to offer insurance in your state. We are working towards offering insurance in all states, so please check back with us in the future.
.... ahhh, Massachusetts. Hey, anyone got some more restrictions they could put in place here? Yay government.
Just to be sure nobody gets the wrong information from a post a few up...
The only pulls on your credit that will hurt your score are those which could lead to a new credit obligation. Insurance does not fall under that catagory. Maintenance pulls (your existing creditors), self checking (everyone knows you're not pulling your credit to decide whether to give yourself a loan), employment screening, and phishing (you meet parameters so the creditor buys your contact information from the Repository) do NOT impact your score. Only pulls that could lead to a new consumer credit obligation are counted against your score.
Credit scores are not punative. They are meant to be a tool that measures the likelihood you will repay a loan if taken today. When there are fresh inquiries, there is a chance you have a debt obligation that has not yet been posted on your report and would not be accounted for within your score. The system takes this into account and "dings" the score for that chance. In addition, people are more likely to default when credit is new. Any changes in creditors or debt load makes non-payment more likely. Finally, people looking for credit are often starting to hit some credit problems. None of these issues exist when you're insurance shopping, so there is no hit on the score.
Anyone who wants this explained in detail should visit MyFico.com, which is Experian's web site. It has very good information directly from Fair Isaac, the company that developed the scoring model.
Programs: AA P4L, BA, DL, UA, HHonors, Priority Club
I live in Texas, near the path of Hurricane Ike, and just received this response:
Due to a potentially catastrophic event that has either occurred or is approaching your location, we are unable to quote or bind insurance coverage until the threat is no longer present. Please revisit our site in 48 hours. If you need further assistance, please contact us by Email at email@example.com or by calling (888) 269-1597 Monday through Thursday from 7 a.m. to 10 p.m. or Friday 7 a.m. to 8 p.m. CST.
I did discover that email address is mandatory, but phone number appears not to be.