People may be paying twice higher premiums than they should but still can be quite reluctant to check alternative prices. Make no mistake; this is the only way you will find the most competitive insurer in your state. Most motorists are particularly concerned to give sensitive information like driver license or social security number just to get an auto insurance quote.
Today, you can get vehicle insurance quotes as anonymously as you want. Most insurers already know what puts people off from getting quotes on their website and therefore keep their questions to minimum. This increases the completion rate and still can be pretty accurate.
The beauty of online quotes is that you can always click away when you are annoyed with the types of questions or the particulars asked.
Getting a Quote Is Different from Buying a Policy
Quotations get people through the door. Taking all your details accurately and issuing a policy comes after they manage to win you over with a great price and coverage. So, why complicate things when large numbers of drivers already think that comparing prices is confusing and time consuming. That is why carriers refrain from encroaching on people’s privacy since they can work out a premium quote without personally identifiable information.
You don’t normally need to give sensitive details about yourself if you just want to find out prices. Once you are happy with the quote and want to buy the automobile insurance coverage they can take your full particulars and do whatever checks they want. But just the basic details are enough to give you a quote.
Carriers can check your details through certain agencies anytime. And they normally need your social security number to carry out checks like your credit score. However, they rather ask you the relevant questions about your driving, claim and credit history and take your word for it. They don’t want to go through the trouble of checking them before they know they sold a policy. Remember, they are only offering an estimated price at this stage, not policy coverage. Besides, it is the applicants’ responsibility to provide accurate information.
How to Get Auto Insurance Quotes without Giving Personal Info
Even though getting an insurance quote doesn’t affect your credit score you probably don’t want it to be checked too many times. Actually, many people think just like you and aren’t happy with intrusive questions. That is why they prefer online quotes that require minimal details.
Today, nearly all insurers provide online quotes and most of them don’t require your social security or driver license number. You can get quotes from offline sources like agents even if you don’t want to answer these intrusive questions. Most probably they don’t ask anyway.
You don’t have to provide any information you feel you shouldn’t. However, you need to answer the questions to the best of your knowledge because your answers can be checked and confirmed at a later stage. It may even happen after you accept the quote and have a claim on the policy. A lie caught once you have a claim can be problematic.
What Information Is Needed to Get Car Insurance Quotes?
You will still need to provide basic details to calculate the rates though. These are the address the automobile is kept at night, type of coverage required, your name, contact details, age, gender, driving experience, recent claims, tickets, credit score, yearly mileage, details of your vehicle and other drivers.
Most people are also concerned that they will get too many calls and e-mails once they give their contact details out. This may be the case with some quote forms that sell the leads to other agents. In that case you can avoid such website.
On our site, we provide the latest offers from top insurers and you choose from whom to get your quotations and go directly to their official site. We don’t pass your details around.
Usually, most established insurance companies don’t allocate resources to chase after people who got quotes from them. Large companies give millions of quotes a year online and it defeats the purpose if they need to employ people to follow them up. If you are still concerned you can provide an e-mail address you hardly use. Most people have a few of them already. You can even create a new one free within couple of minutes just for this purpose.
It is sensible to be cautious and take necessary precautions. Nevertheless, this shouldn’t prevent you from saving hundreds of dollars by comparing prices. There are too many scaremongers who may tell you that your information can be stolen or sold out to criminals. Your information can be stolen from your computer even you don’t give them out. You need to protect your details at all times online and offline, not only when you want to buy insurance. You will be fine as long as you are on a secure website that doesn’t ask sensitive information anyway.
If you are not still convinced you can check how much is average vehicle insurance in your state on that page. But your rates could be much higher or lower than the median prices.