Many Drivers Dont Know That Car Insurance Quotes Are Free
One potential barrier to consumers shopping for coverage is the misbelief that getting quotes costs money. About a quarter of respondents said that getting car insurance quotes costs money either some of the time or all of the time according to a recent survey by Forbes Advisor. It doesnt.
More men than women incorrectly thought you have to pay to get car insurance quotes:
- Half of men surveyed said they thought you have to pay at least some of the time to get quotes compared to just 16% of women
- 61% of women correctly said you typically dont have to pay to get car insurance quotes. Only 36% of men knew that.
Here are tips for comparing car insurance quotes:
Here are tips for comparing car insurance quotes:
Anonymous Car Insurance Quotes
Uninsured/underinsured motorist bodily injury coverage covers your medical bills if you are in an accident caused by an uninsured or underinsured motorist. It can also cover lost wages and pay for services you can no longer do yourself, such as cleaning your house or babysitting. There are 20 states that require uninsured/underinsured motorist coverage.
Since a full coverage policy costs approximately $1,000 per year, you should evaluate your individual needs and determine if the cost of adding additional coverage is worth it based on how much your car is worth.
Insurance companies calculate your car insurance rates based on several factors. For example, age and accident history are used to determine your risk as a driver. If you are a young person or a driver with a history of accidents, your car insurance will rate more expensive than an older person or someone with a clean driving record.
Older, slower and cheaper cars with more safety features are cheaper to insure.
Which Car Insurance Companies Need The Least Personal Info
Certain car insurance companies require less information than others. Companies like The General and GEICO require minimal information. If you move forward with these companies, though, dont be surprised if you see a major price change once you provide your actual information further into the process.
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Streamlined Processes Allow Personal Information To Flow More Easily
In the digital age, you can click through application forms very quickly. Its a much faster process than it was 20 years ago, so if you are in fact okay with sharing your personal data such as contact info, SSN, etc, you can save time and dont have to go down to a companys office in person. This also allows you to apply for many different quotes in a short amount of time from the comfort of your home. The internet has made finding the best auto policy simple and easy. You can even do it from your mobile phone.
Shopping around for the best quote is definitely recommended. With how easy it is to get a quote nowadays, theres no reason not to look around until you find the best one for you since it will save you money in the long run. So be sure to choose the best value policy that you can get in your area.
How To Get A Car Insurance Estimate Without Personal Information
First of all, youll find that many insurers wont provide you with a quote at all without your drivers license. For those ones, unless you decide to use someone elses, you simply cant obtain a quote.
But for insurance companies that dont have a drivers license as a mandatory requirement for issuing a quote, the bare minimum needed to get a quote of some sort will usually be your vehicle info, postal code, DOB, and driving history.
Without those, you probably cant get a quote anywhere. If you do, it certainly wont be accurate, as those are the most essential things needed by an insurer to get an idea of how much they will charge you.
Again, if you want the quote to be accurate, you should use your real information for each of those. After you get a quote, it will come with your designated quote pin or quote number. Youll need this later if you decide to go ahead with the policy, so be sure to write it down.
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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All… |
Written byRachel BodineFeature Writer |
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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his familys insurance agency, FCI Agency, for 15 years . He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. Hes also been featured on sites like Reviews.com and Safeco.He reviews content, ensuring that ex… |
Anonymous Car Insurance Quotes: The Bottom Line
While you can get an anonymous car insurance quote, it wont be accurate because car insurance companies need your personal information, like age, driving record, and credit score, to get a precise quote.
Be prepared to give your date of birth, drivers license number, and vehicle information to get car insurance quotes. Reputable insurance companies keep your information private and wont spam you with calls and emails.
For the best rates, compare quotes from at least three car insurance companies after giving your personal information.
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsburys 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve… |
How Does Your Driving Record Impact Your Insurance Calculation
Your driving record is paramount to a car insurance company. Safe drivers get a discount from standard rates for keeping a clean driving record. On the flip side, individuals who have a moving violation or an accident on their motor vehicle record are more of a risk and can face a surcharge on top of standard rates.
In general, a minor violation such as a speeding ticket can boost your rates, on average, by 26% to 43%. If you have a major violation like a DUI, your rates can go up even more. The more risk you appear to be to your auto insurer, the more you will pay.
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Can I Get An Auto Insurance Quote Without My Phone Number
Auto insurance companies can request multiple forms of identification, but you are not obligated to give out any more personal information than whats listed above.
Auto insurance companies might ask for your email address, phone number, or Social Security Number to identify you, but you dont have to provide that information if you dont want to.
You are not obligated to provide this information, and you can get a car insurance estimate without personal information. However, your auto insurance quotes may not be completely accurate.
If an insurer asks you for your email or phone number, this is likely for advertising purposes. When shopping for online auto insurance, only give your phone number and email address to companies you trust.
Do you have to give a Social Security number for auto insurance? If an insurer asks for your Social Security Number and you dont provide it, they might ask for other information.
When you refuse to provide the personal information auto insurance companies ultimately require, they may not be able to verify important details. You are likely not to get accurate insurance quotes if you dont provide some key points of information.
If you cant avoid giving your Social Security Number or other personal information to an auto insurance company, pick a company you trust and are truly interested in. Protecting your personal information is always important.
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Can I Get An Anonymous Home Insurance Quote Or Life Insurance Quote
Like auto insurance, it’s possible to get anonymous homeowners insurance quotes and life insurance quotes, but getting an accurate estimate will be difficult without providing your personal information. Your life insurance premium and home insurance premium will ultimately be based on your individual details, so providing your information upfront can lead to a more accurate estimate of how much your policy will cost. Learn more about average homeowners insurance costs and how much life insurance costs.
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Can I Get Car Insurance Quotes Without Personal Information
Since car insurance quotes are personalized to reflect your risk factors and the corresponding rates that youll see, providing some personal information can help to ensure that your quote is accurate. Dont forget that you can use Compare.com to get multiple quotes without having to provide your personal information to each company.
What Information Do You Need To Provide When Getting A Car Insurance Quote
Car insurance companies need a lot of information to determine rates accurately. Since car insurance companies base rates on how risky you are to insure, the more information you provide, the more accurately insurers can determine rates.
Typically, youll need to provide:
- Drivers license numbers of all listed drivers
- Birth dates of all listed drivers
- Vehicle information for all covered vehicles
- Address where you primarily park your car
- Prior insurance information
If you choose not to provide this information, you cant tell if the insurer is right for you. For example, the best car insurance companies for bad driving records may not be the same for young drivers.
When you give all of the requested information, you can better decide the company with the best rates for you.
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Dont Give Out Your Phone Number
If possible, avoid giving out your phone number, since its more difficult to stop marketing texts and telemarketer calls than it is to avoid unwanted emails. If youre speaking with a car insurance agent on the phone, dont be afraid to ask questions and request to not provide certain information until later on in the process. An agent can explain to you which information is absolutely necessary.
Can You Get An Anonymous Car Insurance Quote
Because car insurance quotes depend on specifics like your driving history and vehicle value, you cant get a truly anonymous car insurance quote. You can get an anonymous estimate, though, using an online car insurance cost calculator. A calculator can give you a general idea of costs, but if you want a truly accurate quote, youll need to provide some details.
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Home & Auto Insurance: Quote And Buy Online
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Our insurance team is made up of agents, data analysts and customers just like you. They focus on the points that consumers care about the most price, customer service, policy features and savings opportunities so you can be sure which provider is right for you.
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What Information Do They Need
Not every company will request all of the same things from you, but there are several that you will pretty much always be asked for in order to provide the most accurate quote possible. Here are the most common personal details requested by coverage providers:
- Telephone number
- Financial obligations
Of all of the things listed above, your SSN is the most private and valuable. Its understandable if you dont want to share this with too many different people, because its one of the number one ways that criminals can steal your identity. Your license is also quite sensitive, as it could potentially also lead to identity theft if it ends up in the wrong hands.
The good news is that as long as the companys website is secure and your internet connection is secure, its probably just fine to use this information in order to get a quote. After all, for some companies, theres no way around offering them this info. They require access to your record from the Department of Motor Vehicles , and cant get it without the right info.
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What Affects My Car Insurance Rate
It can seem like theres no rhyme or reason as to why your insurance rate is what it is, but there are several factors that help determine your coverage and price.
The basics:
Your ageWhere you liveThe kind of car you driveYour driving history
Uninsured And Underinsured Motorist Coverage
Uninsured and underinsured motorist coverage pays for medical bills and other expenses like lost wages when you are in a car accident caused by someone who doesnt carry liability insurance, or who does not carry enough liability insurance to cover all your medical bills.
Some states require that car owners have uninsured motorist insurance.
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Name Date Of Birth And Drivers License Number
With your full name, birth date, and drivers license number, an insurer can access your driving records. Insurers will use factors like the previous claims youve filed, the number of at-fault accidents youve had, and how many traffic violations are on your record to determine whether youre a high-risk driver. Your birth date also provides the insurer with your age, which can automatically affect your rates. Teen drivers and seniors, for example, can expect to pay higher rates for car insurance.
Your gender can also affect your rates. Males tend to pay slightly more for car insurance than females. also usually pay less for insurance than drivers who are single.
How Do I Get Free Car Insurance Quotes
Here are two ways to get car insurance quotes, which are always free:
1. Online. Many auto insurance companies offer free car insurance quotes online. You can visit several insurance company websites and compare quotes. To save time, use a website that provides quotes from multiple companies.
2. Speak with or visit a local insurance agent who can help you find affordable car insurance options and get you a car insurance quote.
There are generally two types of insurance agents:
1. A captive agent works for one insurance company and can give you a quote only from that insurer
2. An independent insurance agent can sell policies from multiple insurance companies and can get you quotes from different insurers.
There are benefits to both approaches, and theres no law against contacting multiple insurance agents. It doesnt hurt to get online quotes and also speak with an agent who can help you identify your coverage needs and tailor a policy thats the best fit for you.
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How Do You Estimate Your Car Insurance Cost For 2022
With the Car Insurance Estimator, in five easy steps, youll see prices for three coverage levels based on your personal profile. After getting an initial estimate, make sure you compare car insurance quotes before making any big changes. This way, you will know what your premium will be and you can budget accordingly.
Can I Get An Auto Insurance Quote Without Giving Personal Information
If youre shopping for cheap auto insurance quotes, you should avoid auto insurance companies that prompt for sensitive data like your drivers license and Social Security Number. You dont need to show a drivers license to apply for auto insurance.
Besides the possibility of negatively affecting your credit score with excessive requests for your credit history, providing this type of sensitive information increases your chances of having your identity stolen.
With this data, identity thieves have everything they need to create multiple accounts in your name, ruining your credit and causing stress and frustration trying to find these fraudulent accounts and clear your name.
You dont need to give this sensitive information to get an insurance quote.
If you do decide to use a smaller insurance company, its a smart decision to verify their business identity and make sure that they are who they say they are before giving them your sensitive personal information.
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