When shopping around for an auto insurance policy, you’re willing to explore different options on the promise of a free, no-obligation quote. Sure, you won’t pay money to get the quote, but you’ll need to give your personal information in exchange for the estimate. Your insurance provider needs to know your name, phone number, social security number, zip code, and driver’s license number. That’s a little unsettling for insurance shoppers.
Insurance companies often use your personal information to establish how risky you are to insure, which would help them come up with a more accurate quote estimate. But what if you could get a comprehensive auto insurance quote without providing your personal information? Yes, some online tools now let you source auto insurance quotes without revealing any of your personal information. But there’s a catch; anonymous quotes only offer rough totals and don’t provide a binding quote that you can buy at the current price.
Although staying anonymous when comparison shopping insurance quotes is challenging, you can still create a perfect balance between disclosure and anonymity to get an accurate car insurance quote.
Can You Get a Quote Without Providing Personal Information?
Yes, you can get a quote without providing personal information, except the estimate won’t be as accurate as it would if you provided all your personal information. Insurance companies often use your personal information, such as your zip code and driving history, to calculate your premium and deductible depending on the amount of risk you carry.
If you remain anonymous during the insurance application process, you can expect to receive a nonguaranteed insurance quote. Your insurer prepares this quote based on premium averages from a pool of drivers with similar demographics. You won’t fill in a questionnaire requesting your personal information, so don’t be surprised if your quote provides wildly inaccurate estimates.
An insurance company won’t follow through on a non-guaranteed insurance quote, so you’ll probably end up paying a lot more than what the quote provided. The MoneyWizard insurance quote tool is a free online resource that can help you obtain multiple online quotes without providing your personal information.
What Information Is Necessary To Generate a Quote?
When you request an auto insurance quote, your insurance provider will typically ask for some fairly basic information you probably have on hand. If you have an existing car insurance policy, the declarations page will likely have the information you need to provide. Here are some of the information we see insurance companies requesting to process a quote:
The person behind the car you’re insuring will impact the premium costs. Your insurer wants to have the following driver information:
- Name and date of birth
- Your driver’s license number and state of issue
- Driving history—accident history, speeding ticket history, traffic violations, and license suspension information
- Safety driving courses completed
- Whether you own a home
For each car you’re looking to insure, your insurer wants to know:
- Year, make, model and body type
- Vehicle Information Number (VIN)
- Date of purchase
- Prior insurance carrier
- Safety features and anti-theft devices
In addition to this information, the type of coverage, limits, and deductibles you choose for your policy will determine the final cost estimate on your insurance quote.
What Personal Details Don’t Insurance Companies Need?
If you’re shopping around for insurance quotes, you are not obliged to disclose some sensitive information, such as a social security number. Insurance companies use your social security number to dig into your credit report, which may impact the premium you pay. You should not share your social security number if you’re buying insurance through a third-party broker. There’s a risk that your information could fall into the hands of identity thieves who may use it to create accounts in your name and damage your credit score.
Insurance companies may also ask for your phone number or email address as a form of identification. However, they won’t deny you coverage for not providing this information, and in most cases, usually use it for advertising purposes. Only give your email address and phone number to insurance companies you trust; otherwise, you may become a victim of identity theft.
An auto insurance company often uses your personal details to verify the information you provide and prepare an accurate insurance quote. If you can’t avoid sharing your personal information, choose a reputable company that guarantees the protection of your information.
Usually, your email address and phone number will have no impact on your car insurance policy rates. They are a way for your insurer to reach out with more policy details or sell you other insurance products later.
How To Get an Anonymous Quote
With most insurance companies, anonymous auto insurance quotes are a pipedream—or probably not worth the hassle. However, you might still be able to conceal information, such as your phone number or email address, that won’t impact your insurance premium. If you choose to take this path, we recommend using an auto insurance comparison tool.
Some insurance companies only require you to provide your date of birth, zip code, vehicle information, and driving record to start the anonymous quote process. These details weigh in on your insurance premium rates, so they must be as accurate as possible if you want a reliable quote. Your insurer may request your email address to send the insurance quote, which you may use later if you’re going to buy a policy.
You may also get an anonymous insurance quote through a third-party comparison website. Third-party websites help you avoid direct interaction with insurance companies. The process is similar to what you’d do on an insurance company’s website, except this time, you’re receiving quotes sourced from multiple insurers. In this case, you only need to provide a temporary email address and receive all your quotes at once. Be sure to choose limit levels that reflect the amount of insurance protection you need.
How Does MoneyWizard Use My Personal Information?
MoneyWizard values your privacy. We will request some of your personal information to get you the most accurate quotes possible. MoneyWizard collects your personal information via direct interaction with you, either from the contact forms on our website or communication with any of our in-house agents. We only ask for the necessary details, which we then forward to our trusted partner insurance carriers.
We value the safety of your information; that’s why we won’t ask for your phone number when you want to compare quotes with us. MoneyWizard doesn’t share any of its users’ personal information with unauthorised parties, so you won’t receive unsolicited emails or phone calls after initiating the quote process with us.
Frequently Asked Questions
Do you need to provide a social security number or VIN to get a quote?
While you probably don’t have to provide a social security number, no law prohibits car insurance companies from requesting this piece of information. In fact, your insurer has the right to ask for a social security number if it’s reasonably related to the underwriting process. One such purpose is to obtain your credit report.
Meanwhile, you don’t need to provide a VIN to get an insurance quote, but you can’t buy a car insurance policy without providing a vehicle identification number.
Does an auto insurance rate change depending on your gender?
Most insurance providers ask for your gender to calculate your car insurance rates. Statistically, male drivers are considered high-risk drivers due to the frequency of accidents and DUI cases. As a result, they pay higher rates than female drivers.