Do you have to pull my credit for a insurance quote?

No, as an agent, I never pull someone’s credit report.  The carriers that we use will do what’s called a soft credit pull.  There are two types of credit pulls done, a soft and hard.  A hard credit pull is what happens when you directly apply for credit with a company for a car, auto, or personal loan.  Our soft credit pull doesn’t affect your credit score and we at Ryan Everet Insurance will never see your score or report.