Car Insurance Estimate Without Personal Information

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Car Insurance Estimate Without Personal Information

Car Insurance Estimate Without Personal Information

Are you looking for a car insurance estimate without personal information? If you prefer to get an estimate without entering a ton of personal information, you do have options. Below, you’ll find everything you need to know about getting quotes. This includes what information is commonly requested, how your premium is calculated and why getting your car insurance quote without giving your social security number can be a good idea.

Completing a Car Insurance Application: What Information is Needed?

Although the applications may differ in appearance from one insurance company to another, what information they do need is usually very similar. Keep in mind that a car insurance agreement focuses on what will be paid in the event of an accident, so they will need to assess your risk before issuing a policy. To properly do this and give you a correct quote, insurance companies will need:

    • Your name
    • Your birthday
    • Your gender
    • Your driver’s license number and issue date
    • Your social security number
    • Marital status
    • Information about the vehicle: such as year, make, and model
    • Place of Residence
    • Details on anyone else who may drive or have access to the vehicle, such as a spouse, kids, or other family members

All of this information will be used to determine your risk and the amount of your premium. In most states, insurance companies are allowed to factor your credit rating into their decision. While most drivers don’t think this is fair, numerous studies have shown a connection between a driver’s finances and the chances they will file a claim.

Keep in mind that providing your social security number allows insurance companies to access your credit score. Unfortunately, the more your credit history is accessed, the lower your score becomes. This is one reason it is so important to not give out this information when you’re simply looking at quotes. 

Why Do They Need This Information?

There are several reasons an insurance company will ask for this information. First, it allows them to give you a more accurate quote. By having access to your driver license’s number, they can pull your driving record, which details the number of accidents you have been involved in, how many traffic tickets you have gotten, and more.

In addition, giving out personal information, particularly your social security number and driver’s license number, shows that you are a serious shopper. This gives insurance companies an indication that you will be somewhat likely to go ahead and purchase a car insurance policy with them.

Finally, this is the information they need to add you to their database. This makes it easier for them to reach out to you if you decide to go with a different insurer. Of course, the more they call, text, or email you, the more irritated you are going to get.   

Do They Really Need Your Personal Information?

Yes and no. In the past, you did need to provide your basic information in order to get a quote. This includes identifying information that could easily be found on the internet, such as your name, email address, and phone number. Of course, this made it easier for them to continue contacting you, which frustrated many potential buyers.

It’s important to understand that you will have to divulge this information to the company before your policy can go into effect.

Introducing Anonymous Auto Insurance Quotes

In recent years, more and more insurance companies have begun offering anonymous quotes. Instead of providing information that allows them to identify you, you can simply enter general information.

One of the quickest and easiest ways to get an online auto insurance quote is by going through a comparison website. Some of these sites allow you to compare rates without giving out your social security number. There are a handful of carriers that will give out rates without requiring it.

To receive multiple quotes fast, you may be asked to provide some very basic information, such as:

  • Your name
  • Your address
  • The number of people in your household
  • Vehicle details, including when it was purchased
  • Information on your driving history, including how many accidents you’ve been involved in and or how many traffic citations you may have received

Yes, this is still personal information, though it is not nearly as personal (or likely to make you a victim of identity fraud) as giving out your social security and driver’s license number. Fortunately, you’ll only have to enter this information one time on a comparison website. If you were to go to each insurance company’s website individually, it would probably take you hours to get all your quotes. Plus, company websites are more likely to require that you enter your social security number before you can receive a quote.   

How Is Your Insurance Premium Calculated?

In addition to all the things listed above, including age, gender, and marital status, your insurance premium is likely to be impacted by the following statistics.

  1. Single drivers are more likely to be involved in a crash than married drivers
  2. Males are in more accidents than females
  3. Drivers under the age of 25 have a higher likelihood of being involved in a traffic accident than all other age groups
  4. High-traffic areas are more prone to accidents. This means that your insurance premium is probably going to be higher if you live in a big city rather than a rural town

Another significant factor in determining your premium is how much coverage you opt to take out. Do you plan on only having liability insurance that will not pay for your vehicle if you are at fault in an accident? Or do you plan to take out collision insurance to protect yourself and your vehicle? This is a decision that you will need to make, depending on the value and condition of the vehicle.

Protect Yourself by Getting a Car Insurance Estimate Without Personal Information

Sadly, there are people who will try to steal your identity, something that is much easier to do when your most personal information is all over the internet for everyone to see. Don’t let yourself become a victim. Start your auto insurance shopping by comparing quotes online without personal info. Enter your zip code and compare up to 10 rates.