To give you an accurate rate for an insurance policy, many insurance companies order consumer reports, including your credit history, accident history and driving record. Here are some disclaimers regarding those consumer reports that you'll encounter when you shop for insurance.

If you see this: It means this:
If you plan to purchase an auto policy online, please note that consumer reports, including credit and insurance loss history reports, may be ordered in conjunction with a completed application. If you decide to obtain a quote or purchase a policy, we'll most likely order your credit and accident history once you complete an application for insurance.
We may also obtain and use a credit-based insurance score developed from information contained in these reports. We may use a third party in connection with the development of your insurance score. The price of your policy will depend, in part, on what your insurance score is, and your credit history affects your insurance score. We may not be the ones to determine your insurance score — an outside company may calculate it.
In order to give you your actual quoted premium, we have to verify your credit history. You will be presented with your final quote before you finish buying your policy. Even though we give you a specific rate for your insurance quote, the rate isn't guaranteed until we verify your credit history. Once we verify your credit, we'll let you know if your rate changed before you purchase your policy. Bad credit could result in a higher rate than the original rate quoted.
Various consumer reports may be ordered to confirm the accuracy of the information you provide. We verify some of the information you give us to properly determine how much your rate will be. To verify your information, we order reports such as your credit history, accident history or driving record.
The above quote assumes the consumer reports we obtain will reflect financial stability that meets certain criteria. We have preset qualifications when it comes to your financial status. We're assuming you have good credit, but if you don't, your rate could be higher because of your history.
A pre-selected Risk Assessment Indicator is assumed if the head of household's consumer report is not obtained. If we aren't able to verify the named insured's credit, we'll assume you're a greater risk and your rate will reflect that. We prefer you have a verifiable credit history.
This information will be used to obtain a consumer report that is based on information from the credit history of the head of household. When you get a quote, the information you provide will be used to order the named insured's credit history.
The consumer report may be used to determine either your eligibility for insurance or the premium you will be charged. Once we get your credit history, accident history and/or driving record, the information on those reports will determine whether we insure you or not, and how much you will pay for insurance if we do insure you.
Adverse credit history will influence the premium you will be charged. If you have bad credit, you will pay more for insurance.
We also may obtain this kind of consumer report in the future in connection with an update or review of your insurance. We may obtain your credit report, driving record, accident history, etc., again when your policy is up for renewal. If something has changed, it could affect whether you pay more or less for insurance for the next policy term.
In order to determine your eligibility, we are required to verify the driving history of all drivers using consumer reports. This information will be used by us to determine which of our companies or programs you qualify for. We'll determine which type of company (standard or nonstandard) or insurance program you fall into based on the credit, driving and claims history of you and all listed drivers. If you have bad credit or a bad driving history, we could determine you're a higher risk and insure you through one of our higher risk, or nonstandard, companies.

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