I am afraid you and I will just have to agree to disagree on this one.  If the law did not
allow the credit checks without written permission, you would simple have to go to the office
and sign a permission form before you could get a quote.  The law has always allowed that.  In
most cases, an insurance is an exact amount, not an estimate.  If they quote you an amount,
they will write the policy for that amount.  Since your credit rating is a better predictor of
future claims than how many tickets you have, they really can't quote you without it.  Sure,
they could just ignore it, but that would mean people who pay their bills on time would have to
subsidize those who don't by paying more than they should.

Bill

----- Original Message -----
From: <jbrush@aros.net>
>
> If it was a valid reason, how did they do quotes before the law allowed
> the credit checks in the first place, and how do they do it in states
> where it is not allowed? A quote is just that, not a binding contract.
>
> Its just another method of invading privacy and wielding the sword of
> power and authority in the face of the consumer.