Getting an accurate and anonymous car insurance estimate without personal information faces two hurdles: a quote will not be provided or the effort in trying to get a quote isn’t worth your time or energy. To receive an estimated quote, most companies require you provide the vehicle information, your date of birth, driving record, and zip code.
Personal Information Required for Accurate Car Insurance Quotes
The information usually required by an insurance company before a quote can be provided or a policy sold includes the following:
- All persons who will be driving the car must provide their driver’s license number.
- The vehicle identification number (VIN) for all vehicles to be covered under the policy.
- All drivers listed on the policy must provide their date of birth.
- The address where the vehicle(s) will be garaged, which is usually the home address.
- Information about your prior car insurance.
Comparison Quotes
Another option for getting an estimated quote without providing personal information is to use a website that offers comparison rates. With this tool, you create an alias so the system can then generate quotes from several insurers for you to compare rates. Typically, the quote results are sent via email to the address you provide, which can be your regular email account or one that you have set up separately to receive the quotes.
There are comparative rating system platforms that provide a list of results to your computer screen once you supply the necessary information. The system will then provide quotes from multiple companies so you can immediately compare the rates. The comparative system provides information from companies providing auto insurance from all over the U.S.
Regardless of which option you choose to receive a quote, follow the guidelines from USA.gov for information about privacy protection when using online services. Be careful about what personal information you provide and be sure you are using a reputable website.
Things to Consider When Requesting Car Insurance Estimates
Car insurance companies have various requirements, and some may need additional information before providing an estimate. With these extra details, an underwriter is better able to provide you with a policy specific to you. Factor’s underwriters need access to include the following.
- Driving record.
- Your age.
- Claims history.
- Credit history.
Also, while getting a quote without providing personal history may be attained by using an alias or secondary email account, when it is time to purchase a policy, your personal details must be provided.
Do keep in mind that providing false information about your driving history or any other details is considered insurance fraud. Provide only honest and accurate information.
A minimum amount of car insurance is required in most states. Opting for full coverage versus minimum coverage helps protect against accidents. Full coverage combines optional and required coverages. Full coverage may include bodily injury liability, property damage liability, uninsured motorist, collision coverage, and comprehensive coverage.
Bodily Injury Liability
In the event of an accident you caused, medical costs resulting from injuries or death are covered.
Property Damage Liability
If you cause an accident that results in property damage, repair costs are covered.
Uninsured Motorist
When an accident involves an uninsured motorist, medical costs are taken care of.
Collision Coverage
This covers expenses for repairs resulting from a traffic-related accident no matter who is at fault.
Comprehensive Coverage
This covers the cost of repairs for events you have no control over such as weather, vandalism, or theft.
Reasons That Affect the Cost of Car Insurance
Not all cars are equal when it comes to the cost of insurance coverage. Two areas insurers take into consideration are theft and crash statistics to determine accurate rates for individual models. For example, with cars that tend to be high on the list to be stolen or have a high probability of crashes, insurance coverage will most likely be more expensive.
According to Nerdwallet.com, specific reasons affecting the cost of car insurance are the following:
- Retail price.
- Cost of parts.
- Safety.
Retail Price
Cars with a high price tag are more expensive to insure. The reason being if the car is in a wreck and beyond repair or is stolen, the insurance company must pay the market value of the car as long as coverage includes collision and comprehensive coverage.
Cost of Parts
Pricier models using parts made from specialized materials can result in more expensive repairs, which in turn increase the cost of the claim for damages.
Safety
Vehicles that have a history of safety for passengers and drivers lower the cost of insurance because of the decrease in claims for personal injury protection and medical payments.
Factors That Impact Car Insurance Estimates
Your car’s make and model are only part of the factors used to create a quote for auto insurance. Other factors insurers consider include:
- Personal Characteristics.
- Amount of Coverage.
- Driving Record.
- Location.
- Credit Score.
- Car Insurance History.
Personal Characteristics
These include your gender, marital status, and age.
Amount of Coverage
Your insurance rates will most likely increase the more coverage you add to the policy.
Driving Record
Negative history on your driving record such as an at-fault accident, a recent DUI, or a speeding ticket can increase your insurance rate.
Location
Each state has its own minimum car insurance standards that include the neighborhood crime statistics and population density of where you live, which affect insurance rates.
Credit Score
A poor credit history typically results in higher insurance rates. Insurers do not use a regular credit score to determine rates. Instead, a credit-based insurance score is used to determine how likely you are to file a claim. The credit-based insurance score takes into consideration factors such as outstanding debt and payment history. Your income or occupation cannot be used when determining an individual’s score. Three states — Massachusetts, California, and Hawaii — do not allow insurers to use credit scores to calculate rates.
Car Insurance History
An insurer looks at several areas of your insurance history such as how long you have had insurance with your current insurance company, number of claims you have filed, your last insurance company, and if your car insurance has lapsed.
Check this out if you need additional information, resources, or guidance on car insurance.
Sources:
How to Estimate Car Insurance Before Buying a Car
How Much Does it Cost to Insure a Car?
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