Lenders and insurance companies will generally both look at your credit history when you apply for one of their products. In fact, the majority of lenders pull your FICO scores when you apply for credit cards, auto loans, or a mortgage.
Insurance companies, on the other hand, don't actually use FICO scores to set your insurance rates. They do, however, use insurance credit scores that are based on similar formulas and evaluate the same information found in your credit reports.
Insurance scores and FICO scores are often different, so don't be alarmed if you apply for car insurance and find out that you have to pay a higher rate because your credit scores are lower than you thought. The credit-scoring model insurance companies use sometimes punishes behavior that has very little effect on your actual FICO scores.
